Margate, Florida – March 6, 2026 – Barefoot Insurance Brokers, a leading provider of Florida Commercial Auto Insurance, is pleased to announce an important underwriting update from Bristol West, a member of the Farmers Insurance Group family.
Effective March 6, 2026, Bristol West is expanding eligibility for higher liability limits in its Commercial Auto program in Florida, allowing more business classes to qualify for Bodily Injury / Property Damage (BI/PD) limits exceeding $500,000 Combined Single Limit (CSL).
This update gives many Florida business owners greater access to stronger liability protection, particularly those operating in transportation and trade sectors throughout the Central Florida corridor and across the state.
Newly Eligible Business Classes for High Limits
Under the updated underwriting guidelines, the following business classes may now qualify for BI/PD limits greater than $500,000 CSL when the quote or policy shows fewer than three total at-fault accidents:
For-Hire Trucking Operations
Agricultural Hauling
Debris Removal
Wholesale Trade
These expanded guidelines help more Florida businesses obtain higher liability protection for vehicles used in daily operations.
Why Higher Liability Limits Matter
For many commercial vehicle operators, higher liability limits are essential to protect against the financial consequences of serious accidents. Businesses involved in hauling, debris removal, or transporting goods often face elevated exposure when operating large trucks or commercial vehicles on Florida highways.
By expanding eligibility for higher limits, Bristol West provides businesses with improved access to coverage that can help safeguard company assets, employees, and contracts that may require higher insurance limits.
Access to Multiple Commercial Auto Carriers
At Barefoot Insurance Brokers, our team works with multiple leading insurers to deliver customized Florida Commercial Auto Insurance solutions for businesses of all sizes. Our agency represents top carriers including:
Progressive Insurance Commercial Auto
Bristol West
GEICO Commercial Auto Insurance
This multi-carrier approach allows our Florida Commercial Auto Insurance Agent team to compare coverage options, underwriting appetite, and pricing to find the right fit for each business.
Supporting Florida Businesses with Smarter Commercial Auto Coverage
From contractors and agricultural haulers to wholesale distributors and trucking operations, Barefoot Insurance Brokers helps Florida companies secure reliable protection for the vehicles that power their operations.
The expanded Bristol West eligibility provides a new opportunity for businesses that previously may have had limited access to higher liability limits.
Contact a Florida Commercial Auto Insurance Agent
Business owners interested in exploring these expanded coverage options are encouraged to speak with a licensed Florida Commercial Auto Insurance Agent at Barefoot Insurance Brokers.
Julia Dourvetakis specializes in commercial auto insurance programs and can help businesses determine eligibility and compare options across multiple carriers.
Barefoot Insurance Brokers proudly serves businesses throughout Central Florida and across the state, helping companies stay protected while they keep Florida moving.
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.
Cape San Blas has that quiet-coast charm that makes every drive along the bay feel like a small luxury. If you’re a careful, financially responsible driver, your insurance should reflect that level of stability and low-risk lifestyle.
At Barefoot Insurance Brokers, we help preferred and standard drivers around Cape San Blas, Port St. Joe, and nearby Gulf County communities (within about 25 miles) secure auto coverage that balances strong protection with smart pricing.
Coverage Options for Preferred Florida Drivers
We’ll help you build a thoughtful policy that can include:
• Liability Coverage Protection for bodily injury and property damage you may cause in an accident.
• Uninsured / Underinsured Motorist Coverage Important protection when the other driver isn’t adequately insured.
• Physical Damage Coverage (Comp & Collision) Helps protect your vehicle from accidents, storms, theft, or unexpected damage.
• State-Required PIP Coverage Covers certain medical-related expenses after an accident, regardless of fault.
Many of our Cape San Blas clients also benefit from a Personal Umbrella Policy. It provides an extra cushion of liability protection above your auto policy limits and can be a powerful way to protect your assets, investment properties, retirement funds, and future earnings.
Carriers Preferred Drivers Feel Confident With
We proudly work with:
Travelers • Mercury • GEICO • Progressive • a Farmers product • an Allstate product • and others
Our role is to compare options, explain coverage clearly, and recommend solutions that support your financial goals.
Work With A Florida-Based Team Who Gets It
If you’re a preferred driver looking for well-priced, well-structured coverage, let’s talk.
Barefoot Insurance Brokers — serving Cape San Blas and surrounding Gulf Coast communities.
About the Author
Laurel Schwartz is a Licensed Personal Lines Independent Insurance Agent with Barefoot Insurance Brokers, known for her expertise in flood insurance, homeowners insurance, personal umbrella coverage, and auto insurance. Laurel has a strong talent for problem-solving and specializes in helping clients navigate harder-to-place auto risks, including FR-44, SR-22, and other non-standard circumstances. She’s committed to finding solutions where others can’t. You can reach Laurel directly at laurel@barefootins.com or call/text 561-290-1207 for personalized support and expert advice.
Radius intent: Cape San Blas, Port St Joe, St Joe Beach, White City, Indian Pass (within ~25 miles)
Florida’s outdoors were made to be explored. From sandy trails and wooded paths to wide-open land perfect for weekend rides, ATVs and UTVs bring excitement to every corner of the Sunshine State. But the best adventures start with the right protection.
At Barefoot Insurance Brokers, we help Florida riders stay covered with affordable and flexible ATV & UTV insurance options from top carriers like Progressive, Dairyland, and Foremost.
🧭 Coverage That Keeps Up With Your Lifestyle
Our ATV & UTV insurance programs are designed for real riders and real adventures, featuring:
🚸 Youthful Drivers Included You can add younger riders to your policy with no minimum age requirement, making it easy for families to ride together safely.
🛠️ Accessories Coverage Up to $30,000 Protect your helmets, riding gear, aftermarket parts, storage racks, sound systems, and safety equipment with robust accessories coverage.
🎒 Carried Contents Protection Enjoy replacement cost coverage for your personal gear and equipment while riding.
🌍 Off-Premise Coverage Included Whether you ride on your own property, trails, or away from home, your coverage follows you automatically. No extra endorsements needed.
💸 Big Protection Without a Big Price Tag
ATV and UTV insurance is often more affordable than riders expect and can provide essential financial protection in case of accidents, damage, or theft. Our team works with multiple carriers to find coverage that fits your budget and riding style.
📲 Start Your Next Ride Protected
For personalized ATV & UTV insurance quotes and expert Florida guidance, reach out to:
Security First Signature+ (HO3): A Strong Fit for Port St. John, Florida Homeowners
If you own a home in Port St. John or anywhere across Florida’s Space Coast, you already know the weather doesn’t RSVP. When you want homeowners insurance that’s designed for Florida living, Security First Insurance is a Florida-based carrier that focuses specifically on protecting homes here at home. One of their standout homeowner’s insurance options is Signature+ (HO3), a modernized HO3 product designed to bring more flexibility, stronger protection, and savings to Florida homeowners.
What is a Security First HO3 policy?
An HO3 (Homeowners 3) policy is one of the most common homeowners policy types. Generally speaking, it covers the home’s structure broadly (subject to exclusions) while personal belongings are often covered for a list of named causes of loss. (Exact coverages, limits, deductibles, and exclusions depend on the specific policy, underwriting approval, and your home’s characteristics.)
Security First Signature+ HO3 highlights (why Florida homeowners like it)
Here are several features Security First promotes with Signature+ (HO3):
1) A redesigned HO3 built for today’s Florida homeowners
Security First launched Signature+ (HO3) in May 2025 and described it as a “new standard” emphasizing better choices and pricing competitiveness.
2) Disappearing Deductible option
Security First notes that Signature+ (HO3) can include a Disappearing Deductible endorsement, which may reduce the deductible over time when claim-free (details vary by policy).
3) Discounts and affordability initiatives
Security First has publicly discussed discount opportunities, and the company has also announced recent rate decreases and newer-home discounts in certain cases.
4) Repair network support when you need fast action
When Florida weather bites, finding vetted contractors can feel like a second full-time job. Security First’s First Choice Repair Network® is presented as an option to help coordinate repairs with 150+ licensed/insured Florida contractors (per Security First).
Why this matters in Port St. John (Brevard County)
Port St. John homeowners often want a policy that balances:
Practical hurricane-and-storm readiness (with the right deductibles and coverage selections)
A carrier that is focused on Florida homeowners specifically
Help lining up repairs and getting life back to normal after damage
Quick FAQ: Security First HO3 in Florida
Does an HO3 cover flooding? Flood is typically excluded under homeowners policies and is generally handled through separate flood insurance. (We can help you coordinate both.)
Is wind covered? Wind coverage and terms can vary by location and policy. Security First’s FAQ notes coverage depends on the policy and circumstances, and exclusions apply.
Can I save money with higher deductibles? Security First notes that selecting different deductible options can affect premium (for example, raising an all-other-perils deductible may reduce cost).
Get a Signature+ (HO3) quote with Barefoot Insurance Brokers
Want to see if Security First Signature+ (HO3) fits your home in Port St. John, FL or nearby Space Coast communities?
Kassy Mendez is our go-to homeowners specialist at Barefoot Insurance Brokers. 📧 kassy@barefootins.com 📱 Call/Text 754-233-0637
Kassy Mendez services Homeowner’s insurance policies throughout Florida and Barefoot Insurance Brokers maintains an office for appointments at 3770 Curtis Blvd, Suite 702 in Port St John. Our office is shared with Welcome Home Realty in the Horizon Palms Plaza.
Dog Liability Insurance in Broward County | Barefoot Insurance Brokers
Owning a dog in Broward County is a vibe. Morning walks, neighborhood hangs, weekend adventures. But starting July 1, 2025, Florida’s Pam Rock Act adds a serious responsibility to dog ownership, and skipping it could cost you way more than a vet bill.
If a dog causes serious injury and gets classified as “dangerous,” owners may now be legally required to carry $100,000 in dog liability insurance. Translation: adulting just got real.
Why This Matters in Broward
Between delivery drivers, packed sidewalks, and backyard get-togethers, accidents can happen fast. And here’s the kicker: Most renters and homeowners insurance policies exclude dog bites or certain breeds entirely.
Dog liability insurance helps cover: • Medical bills • Legal fees • Lawsuits and settlements • Coverage gaps your main policy won’t touch
Perfect for: • First-time renters in Fort Lauderdale • Young homeowners in Pembroke Pines • Acreage living in Southwest or Sunshine Ranches
Dog insurance isn’t about being a “bad owner.” It’s about protecting your future.
Alexandra “Allie” Horblitt is a Licensed Independent Insurance Agent with Barefoot Insurance Brokers., 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 Alabama, Florida, Georgia, Colorado, Indiana, Ohio, Texas and Virginia. To connect with Allie for customized coverage solutions, email her at allie@barefootins.com or call/text 786-440-8242
