Commercial Insurance
We offer commercial insurance for businesses ranging from start up to experienced multi-state corporations. As most agencies we have access to top carriers to mitigate your risk as a business owner. While most agencies stop there that is where we really begin. Our tasks are to help your business manage these risks with loss prevention programs to reduce worker’s compensation rates. Navigate and design health benefit plans that comply with ACA, appeal to employees at a manageable cost. Increase employee knowledge about available benefits and maximize their retirement plan participation. In addition, work with your executive team to create advance market retention strategies to recruit and keep top talent through non-qualified benefit plans. What added services are you getting for your money now?
Commercial
Property There are several factors that go into calculating the premiums for Commercial Building such as age, location and construction properties. The age of your property may limit options for insurers unless there have been updates to the building, so it is important to have inspection reports when requesting a quote. Also, the location to the coastline is another factor we see markets become limited. It is important to determine if a commercial building is Frame, Joisted Masonry, Noncombustible, Masonry Noncombustible, Modified Fire-resistive, or Fire Resistive. Additionally, the types of business that occupies the business will impact the premium.
Property There are several factors that go into calculating the premiums for Commercial Building such as age, location and construction properties. The age of your property may limit options for insurers unless there have been updates to the building, so it is important to have inspection reports when requesting a quote. Also, the location to the coastline is another factor we see markets become limited. It is important to determine if a commercial building is Frame, Joisted Masonry, Noncombustible, Masonry Noncombustible, Modified Fire-resistive, or Fire Resistive. Additionally, the types of business that occupies the business will impact the premium.
Contractors
/Builders Risk We have some great programs for General and Artisan Contractors. Many of the packages we write include Inland Marine, High General Liability Limits and Any-driver Auto. Some of these programs credit for multi-policies. We are also very prompt on getting you Certificates of Liability to the Cities and Counties where you do business.
/Builders Risk We have some great programs for General and Artisan Contractors. Many of the packages we write include Inland Marine, High General Liability Limits and Any-driver Auto. Some of these programs credit for multi-policies. We are also very prompt on getting you Certificates of Liability to the Cities and Counties where you do business.
Hospitality
Program We would love to add help your restaurant, hotel, or country club. We have you covered from general liability, liquor liability, spoilage, loss business income and we can even pay to fix your broken pipes. Does your currently policy cover for assault and battery? If it does not give us a call.
Our agency is made up of avid golfers, so we love writing Country Clubs. Further out experience with Country Clubs go further than just our love of the game. Our group has also had experience developing and managing clubs. We can work with your organization on safety programs to lower worker’s compensation rates. Further we work several markets to make sure we can offer packages that cover you inside and out.
Program We would love to add help your restaurant, hotel, or country club. We have you covered from general liability, liquor liability, spoilage, loss business income and we can even pay to fix your broken pipes. Does your currently policy cover for assault and battery? If it does not give us a call.
Our agency is made up of avid golfers, so we love writing Country Clubs. Further out experience with Country Clubs go further than just our love of the game. Our group has also had experience developing and managing clubs. We can work with your organization on safety programs to lower worker’s compensation rates. Further we work several markets to make sure we can offer packages that cover you inside and out.
Marine
Program Florida seems to be the boating capital of the world. Marine programs can vary from the most basic to very complicated. We have written Marina’s all across the state and notice the fluctuations in premiums. Let us help you develop a plan that balances your desired coverage without breaking the bank.
Program Florida seems to be the boating capital of the world. Marine programs can vary from the most basic to very complicated. We have written Marina’s all across the state and notice the fluctuations in premiums. Let us help you develop a plan that balances your desired coverage without breaking the bank.
Workers Comp
/Payroll These two product lines run hand in hand. Many of the workers compensation now will offer a pay as you go and a dividend for low claim exposure. If you claim exposure has been high, we can also help develop a tailored safety program to reduce future premiums. Further we can work with you on PEO or ASO options for your payroll.
/Payroll These two product lines run hand in hand. Many of the workers compensation now will offer a pay as you go and a dividend for low claim exposure. If you claim exposure has been high, we can also help develop a tailored safety program to reduce future premiums. Further we can work with you on PEO or ASO options for your payroll.
Vehicle
Fleet If you have a fleet of 2 or 200 we have you covered. If you fleet is autos, service trucks, box trucks or tractor trailers we can help. If your vehicle has wheels we would like an opportunity to insure it.
Fleet If you have a fleet of 2 or 200 we have you covered. If you fleet is autos, service trucks, box trucks or tractor trailers we can help. If your vehicle has wheels we would like an opportunity to insure it.
Liability Health Insurance, voluntary benefits, group benefits can be complicated to understand. There are network restrictions, referrals. Voluntary benefits do your employees understand the benefit. When do paying for a group benefit help the company? We have answers to all of these questions and will come out to the workplace to present the benefits of all. Further when you employee has questions they are talking to a licensed professional not an offshore customer service representative.
Buy-Sell Executive
Benefits/Key Man Buy-Sell agreements have been an important way to plan for the unexpected. Our program help you fund the unexpected and these programs help the surviving spouse and remaining partners move one with their lives. Additionally, some tax-sheltered programs we use allow you to retain top talent and take advantage of some tax avoidance strategies.
Benefits/Key Man Buy-Sell agreements have been an important way to plan for the unexpected. Our program help you fund the unexpected and these programs help the surviving spouse and remaining partners move one with their lives. Additionally, some tax-sheltered programs we use allow you to retain top talent and take advantage of some tax avoidance strategies.
Retirement
Plans Do you currently have a Simple, 401(k) or do you have it on your to-do list? The SECURE Act is going to require business owners with 10 employees or more to offer a plan. Furthermore, you will be required to automatically enroll all employees into the retirement platform you offer. Our Registered Investment Advisors are also certified financial planners who are transparent regarding fees associated with establishing, maintaining, and terminating plans. We cannot stress enough the variance in plans from expensive poor performing options to price competitive with access to top money managers.
Plans Do you currently have a Simple, 401(k) or do you have it on your to-do list? The SECURE Act is going to require business owners with 10 employees or more to offer a plan. Furthermore, you will be required to automatically enroll all employees into the retirement platform you offer. Our Registered Investment Advisors are also certified financial planners who are transparent regarding fees associated with establishing, maintaining, and terminating plans. We cannot stress enough the variance in plans from expensive poor performing options to price competitive with access to top money managers.
Nick St Amand
Commercial Lines Insurance Advisor
We’re excited to introduce Nick St. Amand, our new Commercial Lines Insurance Advisor at Ocean One Insurance. With extensive experience in sales and managing large corporate accounts, Nick brings valuable expertise in commercial lines insurance. His deep industry knowledge ensures that businesses are well-protected with tailored solutions.
Nick played college football at Bentley University and earned his undergraduate degree from the University of Florida, where he’s currently pursuing an MBA. His dedication, discipline, and leadership make him a great asset to our team.
Outside of work, Nick enjoys fishing, surfing, pickleball, and spending time with his girlfriend and their Australian Shepherd, Georgia.
