Running a business in Boca Raton, FL, comes with unique opportunities and challenges, especially when it comes to protecting your commercial vehicles. At Barefoot Insurance Brokers, we’re thrilled to announce a recent update from one of our top insurance carriers that allows businesses like disinfecting and pest control services, repair services, and entertainers and musicians to qualify for BI/PD limits exceeding $500,000 Combined Single Limit (CSL). This applies to both new and existing policies, as long as your business has fewer than three at-fault accidents.
What This Means for Boca Raton Businesses
Our carrier partners, including Progressive, Ascendant Insurance, National General, GEICO, Bristol West, and Kemper Commercial, have expanded eligibility for higher BI/PD limits for the following business classes:
Septic Waste Removal
Furniture & Home Furnishing Stores
Dry Cleaning, Laundry & Carpet Cleaners
Disinfecting & Pest Control Services
Janitorial & Building Maintenance Services
Equipment Rental & Leasing
Repair Services
Social & Health Services
Entertainers & Musicians
This update is a game-changer for Boca Raton businesses, offering enhanced protection for your commercial vehicles. Whether you’re a pest control company servicing clients across Palm Beach County or an entertainer traveling to gigs, higher BI/PD limits can safeguard your business from unexpected liabilities.
Why Choose Barefoot Insurance Brokers?
Based in Margate, FL, Barefoot Insurance Brokers is an independent insurance brokerage serving businesses throughout Palm Beach County and beyond. We specialize in commercial auto insurance, working with multiple carriers to find you the best coverage at the most competitive rates. Unlike single-carrier agents, we shop policies to match your specific needs, whether you’re in Boca Raton, Delray Beach, or Boynton Beach. For example:
Pest Control Services: Protect your service vans from liability claims during busy routes.
Repair Services: Cover your work trucks against accidents or property damage.
Entertainers & Musicians: Ensure your vehicles and equipment are insured for gigs across South Florida.
Why Higher BI/PD Limits Are Essential
In today’s litigious environment, accidents can lead to costly lawsuits or property damage claims. Higher BI/PD limits (over $500,000 CSL) provide greater financial security, ensuring your Boca Raton business is protected against unexpected expenses. With Barefoot Insurance Brokers, you can customize your policy to fit your budget while meeting Florida’s commercial auto insurance requirements.
Contact Us for a Free Quote
Don’t wait to upgrade your commercial auto insurance. If you’re a business owner in Boca Raton, Palm Beach County, contact Barefoot Insurance Brokers today at [insert contact info] or visit our website for a free quote. Let us shop top carriers like Progressive, GEICO, and Kemper Commercial to find the best coverage for your business.
About the Author
Julia Dourvetakis is a Licensed Independent Insurance Agent with North Broward Insurance Solutions, Inc., bringing over 30 years of experience to the insurance industry. She specializes in coastal property insurance, workers’ compensation, general liability, and professional liability coverage. Julia is licensed to sell commercial insurance products in Florida, Mississippi, North Carolina, and Colorado. To connect with Julia for tailored insurance solutions, email her at julia@northbrowardinsurance.com or call/text 954-866-5723.
Running a lawncare business in Tamarac, FL, with at least one truck and trailer? Protect your vehicles with commercial auto insurance from Barefoot Insurance Brokers. One of our top carriers has updated its criteria, allowing lawncare providers to qualify for BI/PD limits exceeding $500,000 Combined Single Limit (CSL) if your policy has fewer than three at-fault accidents.
Why Insurance Matters for Tamarac Lawncare Providers
From hauling mowers to navigating Tamarac’s busy streets, your truck and trailer are critical to your lawncare business. An accident or liability claim could lead to costly repairs or lawsuits. Our partners—Progressive, Ascendant Insurance, National General, GEICO, Bristol West, and Kemper Commercial—offer customized truck insurance to keep your business running smoothly.
Why Choose Barefoot Insurance Brokers?
As an independent insurance brokerage in Margate, FL, we serve lawncare providers across Broward County, including Tamarac. We shop multiple carriers to find you affordable commercial auto insurance with high CSL limits, tailored to your truck and trailer needs.
Advantages of Higher BI/PD Limits
With BI/PD limits over $500,000 CSL, you’ll benefit from:
Coverage for trailer-related property damage or accidents.
Protection against liability claims from job-site incidents.
Financial security for your Tamarac lawncare business.
Start with a Free Quote
Ready to secure high-limit truck insurance for your lawncare business in Tamarac, FL? Contact Barefoot Insurance Brokers at 954-368-0060 for a free commercial insurance quote. Let us shop the best rates for your Broward County business.
About the Author
Julia Dourvetakis is a Licensed Independent Insurance Agent with North Broward Insurance Solutions, Inc., bringing over 30 years of experience to the insurance industry. She specializes in coastal property insurance, workers’ compensation, general liability, and professional liability coverage. Julia is licensed to sell commercial insurance products in Florida, Mississippi, North Carolina, and Colorado. To connect with Julia for tailored insurance solutions, email her at julia@northbrowardinsurance.com or call/text 954-866-5723.
We’re Entering Peak Hurricane Season: Why Florida & Georgia Homeowners Should Quote Flood Insurance Now
Even if August felt “quiet,” hurricane season is only now reaching its busiest stretch. Historically, the Atlantic peaks around September 10, with the most activity from mid-August through mid-October. (NOAA)
This year’s outlook reinforces the point: NOAA’s August update continues to call for an above-normal season with 13–18 named storms, 5–9 hurricanes, and 2–5 major hurricanes. (NOAA, Climate Prediction Center) In August alone we saw Dexter, Erin, and Fernand—systems that mostly stayed offshore but underline how quickly conditions can ramp up as we enter the seasonal peak. (Yale Climate Connections, New York Post, AccuWeather)
And the National Hurricane Center continues to monitor new disturbances in the tropical Atlantic as warm sea-surface temperatures fuel development—recent outlooks showed medium-to-high formation odds within a week. (National Hurricane Center, FOX 13 Tampa Bay, Miami Herald)
Why Consider Private Flood Insurance Today?
Whether you live on the coast or well inland in places like Fort Lauderdale, Miami, Port St. John/Cocoa, Jacksonville, Savannah, or the Atlanta suburbs, flood risk is spreading with heavier rain events and rapid-onset flooding. Standard homeowners policies do not cover flood.
Barefoot Insurance Brokers represents 23+ flood insurance carriers across multiple states—including Florida and Georgia—so we can shop options quickly and match coverage to your property and budget.
Neptune Flood Advantage: Shorter Waiting Periods
A key reason to act now: Neptune Flood (one of our private-market partners) generally has a 10-day waiting period, with no wait if you’re purchasing for a real estate closing or rolling over an existing flood policy. The NFIP typically requires 30 days. That difference can mean everything if a storm forms next week. (Neptune Flood)
Who Needs Flood Insurance?
Homes in Special Flood Hazard Areas (AE, VE): Your lender may require coverage, but you still choose which policy.
“X-zone” & inland properties: A “low-to-moderate” map label doesn’t mean “no risk.” Many claims come from outside high-risk zones.
Condominium & townhome owners: An HOA master policy (if any) may not fully protect the interior of your unit or personal property.
Landlords & investors: Protect rental income and unit interiors; some private policies include optional enhancements.
What Can Private Flood Insurance Cover?
While details vary by carrier, private flood options commonly include:
Dwelling/Building coverage (often with higher limits than NFIP)
Contents coverage (replacement cost options may be available)
Additional living expenses (when a covered loss makes your home uninhabitable)
Loss of rent for investment properties (where available)
Flexible deductibles to tailor price vs. protection
Because coverage terms vary by insurer, we’ll compare forms from multiple carriers (including NFIP) to find the right fit for your property and risk tolerance.
Timing Matters: Don’t Wait for the Cone
Recent systems—Dexter, Erin, and Fernand—developed and intensified over open water with shifting tracks. That’s typical this time of year; storms can spin up and turn quickly, and policy waiting periods still apply once a disturbance is on the map. Secure coverage before there’s a named threat near Florida or Georgia. (Yale Climate Connections, New York Post, AccuWeather)
Quick FAQs
Is flood insurance required? Lenders often require it in high-risk zones, but many owners choose coverage voluntarily due to growing inland and urban flood risks.
How long is the waiting period?
Neptune Flood: typically 10 days; 0 days for closings or policy rollovers. (Neptune Flood)
Why is everyone saying the season was ‘quiet’? A slower early season is normal. The long-term climatology shows activity peaks now, around September 10. (NOAA)
What’s the current forecast? NOAA’s August 7, 2025 update still expects 13–18 named storms, 5–9 hurricanes, and 2–5 major hurricanes this season. (NOAA, Climate Prediction Center)
Get a Flood Quote in Minutes
Barefoot Insurance Brokers can quote private flood (including Neptune Flood) and NFIP side-by-side for homes and condos across Florida and Georgia. With 23+ flood carriers, we’ll help you compare coverage, waiting periods, deductibles, and pricing—so you’re protected before the next advisory.
Service area: Florida & Georgia (and additional states via our carrier network)
Suggested Bing-Friendly Metadata
SEO Title (≤60 chars): Peak Hurricane Season: Florida & Georgia Flood Insurance
Meta Description (≤155 chars): It’s peak season. Compare private flood vs. NFIP with 10-day waits from Neptune. Get a fast quote in FL & GA from Barefoot Insurance Brokers.
Target Keywords: Florida flood insurance, Georgia flood insurance, private flood insurance quote, Neptune Flood 10-day waiting period, NFIP vs private flood, flood insurance Fort Lauderdale, flood insurance Savannah, condo flood insurance Florida, flood insurance Cocoa/Port St. John
Alexandra “Allie” Horblitt is a Licensed Independent Insurance Agent with North Broward Insurance Solutions, Inc., bringing over 14 years of industry experience to her clients. She specializes in marine artisan insurance, workers’ compensation including USL&H, general liability, and commercial auto coverage. Allie is licensed to sell commercial insurance products in Florida, Georgia, Colorado, Indiana, Ohio, and Virginia. To connect with Allie for customized coverage solutions, email her at allie@northbrowardinsurance.com or call/text 786-440-8242.
FR-44 Insurance Made Simple with Barefoot Insurance Brokers
If you’ve been convicted of DUI in Florida and need an FR-44 filing to reinstate your driver license, Barefoot Insurance Brokers can help—quickly and affordably. We shop a broad network of Florida carriers that file FR-44s so you get a competitive price without the hassle. Based in Broward & Brevard, we serve drivers in Coral Springs, Parkland, Coconut Creek, and Margate every day.
What is an FR-44?
An FR-44 is a certificate your insurer files with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) to prove you carry higher-than-standard liability limits after certain alcohol-related convictions (like DUI). In Florida, FR-44 policies must carry at least $100,000 / $300,000 for bodily injury liability and $50,000 for property damage (or a $350,000 combined single limit) and must be maintained for 3 years after license reinstatement.
SR-22 vs. FR-44: Both are proof-of-insurance filings, but an FR-44 requires higher liability limits than an SR-22 because it’s tied to DUI convictions. In some states, an alcohol related conviction is handled through an SR22 but Florida requires the heightened FR44 insurance requirement.
Who needs an FR44 Insurance Filing in Coral Springs, Parkland, Coconut Creek & Margate?
If a Broward County court record shows a DUI conviction and your license is suspended, you’ll need an FR-44 on an active Florida auto policy (or a qualifying non-owner policy if you don’t own a car) before FLHSMV will reinstate your driving privilege. This needs to be maintained for 3 continuous years to satisfy the requirement.
What affects your FR-44 price?
Driving record & violation history
Vehicle type and garaging ZIP (e.g., 33065, 33071, 33076, 33063, 33066, 33068)
Coverage selections & deductibles
Prior insurance and any lapses
Because rates vary widely between companies, shopping multiple FR-44 carriers is the #1 way to save. That’s where we come in. We work with Bristol West, Kemper, Progressive, National General, GEICO and Dairyland — all of the most competitive insurance providers of the FR44 filing in Florida.
Why Barefoot Insurance Brokers
We shop the market: We compare rates across many Florida carriers that file FR-44s to target the most competitive price for your situation.
Fast filing: We coordinate the FR-44 electronic filing to help you move from quote → bind → filing with minimal downtime. (Processing times vary by carrier.)
Owner & non-owner FR-44 options: Whether you own a vehicle or just need to satisfy the requirement to drive, we’ll guide you to the right policy type.
Local guidance: Clear, judgment-free help from a Florida independent agency that knows Broward and the surrounding areas.
What you’ll need to get started
Driver license number and DUI details (conviction/reinstatement dates)
Vehicle information (if you own one)
Address in Coral Springs, Parkland, Coconut Creek, Margate or elsewhere in FL
Prior insurance info (if any)
FAQs
How long do I need to keep the FR-44? Three years from the date you reinstate your privilege. If you cancel or lapse during that period, your license can be suspended again.
What limits are required? At least 100/300/50 or a $350,000 combined single limit, per FLHSMV. Choosing higher limits can better protect your assets.
Is a non-owner FR-44 available? Yes—if you don’t own a car, a non-owner liability policy can often satisfy the filing requirement. (Availability/eligibility vary by carrier; we’ll advise case-by-case.)
Ready to file your FR-44 in Broward?
Call Barefoot Insurance Brokers at 954-368-0060 or start at barefootins.com. We’ll compare the market for you and file the FR-44 fast—so you can focus on moving forward.
Sources: Key FR-44 requirements from FLHSMV (liability limits and 3-year maintenance) flhsmv.gov
What Every Florida Boater Needs to Know Before the Next Storm
As hurricane season rolls into Florida, one of the top questions we hear at Barefoot Insurance Brokers is: “Can I insure my boat for hurricane damage?” The short answer? Yes—but timing is everything.
Boat insurance in Florida can include hurricane and named-storm coverage, but most carriers place binding restrictions once a storm is approaching. That means once a system is named or enters the forecast cone, it’s too late to get or change your coverage.
🌪️ What Does Hurricane Coverage Include?
When you add hurricane coverage to your Florida boat policy, you may be protected from:
Wind and wave damage caused by named tropical storms or hurricanes
Damage from storm surge or flooding (depending on policy type)
Cost to salvage or remove your boat after a storm
Emergency haul-out or storage reimbursement to protect your vessel before landfall
Policies differ by insurer, but we work with top marine carriers like Progressive, Ahoy!, GEICO, and American Integrity to find options that best suit your location, boat type, and storage method.
⚠️ Don’t Wait for a Storm to Get Coverage
Insurance companies shut down new policies or coverage changes when a storm is near. That means if you wait until a storm is already on the radar—you’re out of luck.
At Barefoot Insurance Brokers, we strongly recommend Florida boaters lock in coverage well before June 1st or at least early in the season. We’ll help you understand named-storm exclusions and how to protect your investment year-round.
🌴 Serving Coastal Brevard County Boaters
We proudly serve Florida’s boating community in Brevard County, including these five most populated coastal regions:
City
ZIP Codes
Palm Bay
32905, 32907, 32909
Melbourne
32901, 32935, 32940
Cocoa Beach
32931
Titusville
32780, 32796
Satellite Beach
32937
Lowest priced zip codes for boat insurance in Brevard County, Florida
From riverfront docks to Atlantic marina slips, we help Space Coast boaters secure peace of mind with the right coverage at the right price.
💰 Affordable Boat Insurance Starting at Just $75/Year
Through Progressive, some annual marine insurance policies start at just $75! Rates depend on:
Boat size, age, and type
Storage location (marina, trailer, lift, or dry dock)
