Lawmakers Could Change the Rules of Auto Insurance

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It’s a common scenario in Florida. Automobile accidents happen all the time.  But if you get into a car accident in the Sunshine State, who’s going to pay for the damages?  Under the Florida No-Fault Law, the victim’s insurance company helps pay for medical costs, lost wages and property damages. The negligent driver will be downgraded as a high-risk motorist and will see their premiums rise.  The no-fault system was designed to protect motorists from lawsuits by getting rid of the litigation process. But some important changes could be coming in the next year. Florida lawmakers will vote whether to repeal the Florida No-Fault law

The state legislature is considering changes on the regulations of auto insurance. Florida Congressman David Simmons is currently proposing a bill that would repeal the present no-fault law with a fault-based system. This system would force the at-fault driver to pay for the victim’s damages. But there are addition provisions. It would also allow the victim to file a lawsuit against the negligent driver for additional compensation. Because it’s a tort system, the victim can also sue for pain and suffering.

Under the current Florida No-Fault law, every driver must have personal injury protection as part of their automobile insurance. Last year, Governor Rick Scott signed a law designed to prevent fraud in the PIP system. The law allows people involved in car accidents up to 14 days to seek treatment and distributed up to $10,000 for emergency medical conditions and $2,500 for non-emergency care.  But the law didn’t pass without some resistance. Shortly after it was passed, a trial judge overturned it before it could go into effect. However, the Florida First District Court of Appeals reversed the prior decision. But despite the passing of the law, there continue to be debates over its constitutionality.

Opinions on the bill continue to be mixed by insurers. Many are taking a wait and see approach before deciding whether to repeal the Florida No Fault law. Currently, the American Insurance Association is favoring the fault-based system with mandatory bodily injury coverage.

Regardless of what state lawmakers decide, the fact is all motorists need automobile insurance. National Risk Experts offer comprehensive automobile, motorcycle and recreational vehicle insurance. Car accidents are a part of life. Protect yourself with auto insurances from National Risk Experts. To find out more, call today.

Posted in auto insurance, Business Insurance, car insurance, Employee leasing, Homeowner's Insurance, Insurance, Life Insurance, motorcycle insurance, Personal Injury, Property, recreational vehicle insurance, Retirement, Wealth | Comments Off on Lawmakers Could Change the Rules of Auto Insurance

Discover the Benefits of Employee Leasing

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Every small business owner started with the same dream. You’re finally the boss of your own company and doing what you’ve always enjoyed. You’ve always had ambitions of being successful. But you probably never got excited about handling payroll, benefits, HR issues or risk management. It’s tough enough to make your company profitable and successful. Many business owners have only so much time to deal with human resource issues. To help keep your business running efficiently, business owners are turning to employee leasing services to help manage their payroll, benefits and taxes.

Employee leasing services can be a huge help to small business owners. But it’s more than just outsourcing your HR or payroll department. Today’s services offer a wider variety of benefits. By using co-employment relationships, employee leasing companies provide affordable benefits, attract the most talented employees and provide new technology.  Some of these benefits include:

·         A wider range health and insurance benefits

·         Advanced web-based payroll services

·         Comprehensive risk management support

·         Employee training and development

·         Employee discount programs.

But the best part about employee leasing is it can help reduce net expenses. It allows employers to get their job done without having to worry about the hassles of employment-related laws and paperwork. The transferring of administrative functions can be very cost effective. Many small businesses can’t afford to hire accountants or a human resource manager.  Employees benefit by receiving excellent insurance coverage.

National Risk Experts can provide small and medium-sized businesses with comprehensive employee leasing services to make sure your company is running smoothly and your employees are protected and correctly compensated. They’ll make sure clients are receiving the most competitive worker’s compensation insurance, group health insurance and other types of premiums. National Risk Experts also partners with the Professional Employer Organization to help reduce our client’s burden of payroll. This will include more flexible payroll reporting options, detailed payroll reports along with direct deposit and payroll deductions.

National Risk Experts provides more than just employee leasing.  Located in Palm Beach Gardens, they’ve been providing the people of Palm Beach County and South Florida with personal insurance, business insurance, auto insurance, homeowner’s insurance and physician services. If you’re a business owner looking for human resource solutions, contact one of our agents today and see how employee leasing can work for you.

 

Posted in auto insurance, Business Insurance, car insurance, Employee leasing, Homeowner's Insurance, Insurance, Life Insurance, motorcycle insurance, Personal Injury, Property, recreational vehicle insurance, Retirement, Wealth | Comments Off on Discover the Benefits of Employee Leasing

Where to Turn for Insurance in Palm Beach Gardens

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Insurance seems to be the most popular topic of debate these days as the Patient Protection and Affordable Care Act just recently started its open enrollment period for people looking to receive subsidized healthcare coverage via the federal government. The debate over the law continues to rage and it seems as though the current government shutdown seems to be directly tied to attempts to defund the law dubbed as “Obamacare”, named for current President Barack Obama. Whatever your position may be, there’s no denying how crucial insurance is to our everyday lives. You can’t legally drive a car without insurance and the vast majority of people protect their homes and property with homeowners insurance. Businesses also utilize services such as liability insurance and workers compensation as ways to protect themselves from fiscal disaster in the event of the unexpected.

Preparing for the unexpected is a crucial part of life. A sports team doesn’t carry just enough players to play the game because they need to account for injuries and fatigue. Why would you risk not having insurance from a reputable provider like National Risk Experts in Palm Beach Gardens when there is so much that could go wrong? Not convinced that there’s risk enough for insurance? Go to Youtube and type in “fail videos”. Seriously, that’s what human beings are capable of and it could be your employees in those videos next. People do dumb things all the time and you need to protect yourself, your family, your home and your business from disasters both natural and man-made.

Getting your insurance in Palm Beach Gardens from National Risk Experts means you’re working with one of the more dependable insurance providers in South Florida. The mark of a great insurance company is one that can provide insurance coverage across a variety of industries. National Risk Experts is on such insurance agency that offers auto insurance, liability insurance, homeowner’s insurance, business insurance and a whole lot more. Contact one of the dedicated agents at National Risk Experts for more information about how dependable insurance coverage can change your life. Call now!

Posted in auto insurance, Business Insurance, car insurance, Employee leasing, Homeowner's Insurance, Insurance, Life Insurance, motorcycle insurance, Personal Injury, Property, recreational vehicle insurance, Retirement, Wealth | Comments Off on Where to Turn for Insurance in Palm Beach Gardens

Top Five Reasons to Choose National Risk Experts

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National Risk Experts has been serving the great people of Palm Beach County for more than ten years. The financial, legal and insurance consulting services for businesses and individuals are second to none in South Florida.  Our specialties for business owners are commercial and business insurance,  property insurance, casualty insurance, general liability insurance, medical malpractice insurance, workers comp insurance, product liability insurance, and supplemental liability insurance.  We also provide excellent personal insurance for individuals and families. We offer homeowners insurance, life insurance, health insurance, auto insurance, disability insurance, long term care insurance, personal property insurance and much more. If you’re looking for the best insurance coverage in South Florida, here are the top five reasons to choose National Risk Experts!

5. Personal Insurance: National Risk Experts provides personal insurance and financial management solutions for all of our customers. Managing risks and planning to achieve financial goals generally become more complex as someone’s wealth grows. Whether it is risk management, financial planning, business planning, estate planning, asset protection planning or retirement planning, our team of specialists will work with you to create an integrated plan to achieve your defined goals.

4. Business Insurance: Running a company has certain risks that can’t be avoided. That’s why you should take important to manage those risks when they cannot be avoided.  Insurance is the best way for someone to manage risk. Our knowledgeable specialists will explain the types of insurance you should consider purchasing for yourself and your business and help you evaluate suitable deductibles and policy limits.

3. Employee Leasing: One of the best ways for a company to run more efficiently is through the employee leasing services offered by National Risk Experts. When a business outsources their payroll, benefits and taxes to National Risk Experts, it gives them more time to devote to managing their company. Employee leasing means all you have to do is write one check every month and most of your concerns are taken care of. Alongside providing excellent insurance coverage, employee leasing is one of the most-utilized services offered by National Risk Experts.

2. Experience: With ten years in the business of insurance coverage, National Risk Experts have cultivated a sterling reputation for excellent insurance coverage for the people of the greater Palm Beach County. We understand the insurance business inside and out and can help you pick the perfect coverage for your unique situation.

1. Customer Service: When it comes to providing the best customer service in South Florida, nobody beats National Risk Experts. Every customer is treated with the dignity and respect they deserve by every employee at National Risk Experts. We ensure that all of our customers are 100% satisfied with all of our excellent services.

Posted in auto insurance, Business Insurance, car insurance, Employee leasing, Homeowner's Insurance, Insurance, Life Insurance, motorcycle insurance, Personal Injury, Property, recreational vehicle insurance, Retirement, Wealth | Comments Off on Top Five Reasons to Choose National Risk Experts

Quality Car Insurance From National Risk

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Palm Beach County residents are constantly bombarded by car insurance ads. Whether it’s a television commercial, a highway billboard or an Internet popup ad, it’s almost impossible to escape the reminders of the importance of automobile insurance.  But it’s for good reason. According to the Insurance Research Council, one of every four drivers in Florida is uninsured.  Locally based in Palm Beach Gardens, National Risk Experts can provide South Florida’s drivers with the best coverage along with the personable customer service you could only expect from a hometown insurance provider.

The importance of quality car insurance can’t be understated. Florida is currently among the top five states with uninsured drivers. Unfortunately, it’s also why driver’s in the Sunshine State pay an average of $1,476 a year in premiums.  The statistics are alarming. Most insurance premiums pay for injuries, damage to vehicles, and uninsured motorist coverage according to the National Association of Insurance Commissioners.

Cornell University Associate Professor Sharon Tennyson spoke to Sun Sentinel writer Julie Patel about the importance of auto insurance and how it impacts every driver.

“If all drivers had insurance and carried adequate liability insurance, then there would be little need to purchase uninsured motorist coverage,” Tennyson said. “If some drivers are uninsured, then the full costs will have to borne by the insured driver’s insurance.”

Some states are using new methods to crack down on uninsured drivers. In Massachusetts, police are allowed to remove the license plates from uninsured vehicles. The results have been effective. Less than 5 percent of Massachusetts drivers are uninsured.  In New York, police can access information from the state Department of Motor Vehicles. Just over 5 percent of New York drivers are uninsured.

Uninsured drivers in Florida will have a note placed on their record with the Department of Highway Safety Motor Vehicles. Although the state can suspend the licenses, registrations and tags of uninsured motorists, police can’t access the information through their computers.

As of now, nearly 24 percent of Florida drivers don’t have insurance. National Risk Experts urges every motorist to be responsible and become part of the solution. Don’t be a statistic.  Your car is your second biggest investment next to your home. Protect it with the best comprehensive coverage.

In addition to auto insurance, National Risk Experts also provides quality coverage for your home, life insurance, disability insurance, retirement planning, business insurance, workers compensation and asset protection.

Posted in auto insurance, Business Insurance, car insurance, Employee leasing, Homeowner's Insurance, Insurance, Life Insurance, motorcycle insurance, Personal Injury, Property, recreational vehicle insurance, Retirement, Wealth | Comments Off on Quality Car Insurance From National Risk

Take Advantage of Employee Leasing from National Risk Experts

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There are plenty of insurance agencies in Palm Beach Gardens, but none that match the professionalism and service of National Risk Experts. When most people think of insurance, the usually think of auto, home or health insurance, which are three of the most prevalent. In fact, having all three forms of insurance is pretty much necessary to be a productive member of society these days. One such insurance provider in Palm Beach Gardens, National Risk Experts, has been providing quality coverage for the people of South Florida since 2000. Alongside all the traditional forms of insurance coverage, National Risk Experts also specializes in such business practices as employee leasing, which allows a company to outsource such tasks as payroll management, worker’s compensation, recruiting and so forth. The employee leasing services offered by National Risk Experts are some of the best in Palm Beach Gardens. If you’re looking for quality insurance coverage or employee leasing in Palm Beach Gardens, then give the insurance agents at National Risk Experts a call right away.

Employee leasing is a way for a company to run more efficiently. When a company can outsource their payroll, benefits and taxes to another company, it gives them more time to focus on running their business. Employee leasing means all you have to do is write one check every month and half your business concerns are taken care of. You can add a whole host of new workers without actually adding any workers. It’s like doubling your workforce yet it only costs a fraction of paying a slew of new employees. Alongside providing excellent insurance coverage, employee leasing is one of the most-utilized services offered by National Risk Experts.

The employee leasing services offered at National Risk Experts include:

National Risk is certified through both state and federal regulations and has the skills and expertise to help you get the coverage you need. When it comes to running a business, you’ve got a lot more on your mind then keeping track of all the logistical nuts and bolts. Leave that up to employee leasing in Palm Beach Gardens thanks to National Risk Experts. Many businesses across South Florida are already taking advantage of employee leasing from National Risk Experts, so why aren’t you? Call today for more information about how an insurance agency like National Risk Experts can help your business succeed.

Posted in auto insurance, Business Insurance, car insurance, Employee leasing, Homeowner's Insurance, Insurance, Life Insurance, motorcycle insurance, Personal Injury, Property, recreational vehicle insurance, Retirement, Wealth | Comments Off on Take Advantage of Employee Leasing from National Risk Experts

Searching for Insurance in Palm Beach Gardens?

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With so many insurance agencies in South Florida, picking the right one can be a time consuming process. Before you sift through all the plans offered by other insurance providers, it might be more fiscally responsible to consider an insurance agency in Palm Beach Gardens such as National Risk Experts. As an independent firm representing the most innovative insurance carriers in the United States today, National Risk Experts are proud to offer many different types of insurance for all of life’s needs. Whether you’re a business owner looking for liability insurance or an average Joe in need of auto or health insurance, the insurance professionals at National Risk Experts can help someone find exactly the right coverage plan to fit your situation.

Insurance is a necessary part of life for pretty much everyone. Those looking for any kind of insurance in Palm Beach Gardens should call the insurance agents at National Risk Experts right away. The insurance professionals at National Risk Experts can guide anyone through the process of getting coverage where you need it most. Above all else, you want an insurance agency dedicated to their clients. You’ve probably heard nightmare stories of people hassling with insurance providers over coverage and damages and that can form negative opinions about the industry as a whole. When you get coverage from National Risk Experts, you’re going to work with highly trained professionals in the insurance industry who have your best interests at heart.

The insurance services offered by National Risk in Palm Beach Gardens are unmatched by any other in the business. If you’re interested in employee leasing, homeowner’s insurance, auto insurance or workers comp insurance in Palm Beach Gardens, then you need to call the insurance specialists at National Risk Experts right now. They can help you find the coverage that best fits your lifestyle.

The agents at National Risk Experts are:

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Choosing an Insurance Agency in Florida

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When looking for something as important as an insurance provider, there are many different things to consider. Insurance is incredibly important in many different aspects of life. You can’t drive a car without auto insurance and you can’t receive expensive medical care without health insurance. Before jumping right into something with the first agent that offers you a handshake, it’s important to do plenty of research so you know you’re getting reliable coverage from a reputable company.  A company like National Risk Experts in Palm Beach Gardens is one such reputable insurance company with more than a decade of service to the people of South Florida.

National Risk Experts offers top-notch:

National Risk Experts is dedicated to providing the best possible coverage for their clients. Dealing with an insurance company that doesn’t want to pay up is a complete nightmare. National Risk Experts won’t deny you coverage through some policy loop-hole like a cut-rate provider would. Along with insurance coverage for your home, assets and health, National Risk Experts also provides financial services such as:

If you’re looking for the best insurance agency around, then look no further than the professionals at National Risk Experts. With over a decade in the business, National Risk Experts has the coverage options you need to feel protected. Call today at (561) 775-2588 for more information about how National Risk Experts can help you and your family.

Posted in auto insurance, Business Insurance, car insurance, Homeowner's Insurance, Insurance, Life Insurance, motorcycle insurance, Personal Injury, Property, recreational vehicle insurance, Retirement, Wealth | Comments Off on Choosing an Insurance Agency in Florida

Where Can I Get Reliable Auto Insurance?

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You’ve probably seen the ads on TV advertising how much money you can save by switching your auto insurance. Sure you’re going to pay less, but when you put your trust in a company with flashy ads you may find that the coverage isn’t very good at all. The whole point of having insurance is for protection when something goes wrong. In the case of car insurance, this usually means a car accident. When you receive your car insurance coverage from a company like National Risk Experts, you’re getting the best coverage available. Whether it’s just a fender bender or a serious accident, National Risk Experts is here to help you after a traumatic incident.

How much faith do you have that your insurance company will be there when you need them? The best insurance providers understand that trust is the most important thing for their clients. National Risk Experts gives their clients peace of mind knowing that they are protected when the inevitable happens. Cars are obviously a big investment so you want to make sure that you won’t have to shell out the cost of repairs should an accident happen. Auto insurance also protects you from lawsuits and keeps your financial situation secure.

National Risk Experts provides excellent coverage for more than just your car or truck, we also offer:

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Homeowners Insurance From National Risk Experts

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Buying a home is a huge investment. If you’re going to be spending hundreds of thousands of dollars on a house, you’re going to need to have it insured. Just like with a car or our health, insurance works so you are covered when something goes wrong. Should your home be damaged or someone injured on your property, having homeowners insurance will protect you from serious financial consequences. In fact, homeowners insurance from a company like National Risk Experts in Palm Beach Gardens, FL is really hazard insurance and liability insurance all rolled into one.

Hazard insurance is pretty much exactly what it sounds like; you’re protected if your house is damaged for a number of reasons. What you’re covered for depends on your specific coverage plan, but usually coverage includes damage from fire, flood and storms, as well as theft or vandalism. Many hazard insurance policies include a deductible for larger damages. So the homeowner would have to come up with a small percentage of the damage cost and the insurance company would take care of the rest.

Liability insurance protects you against when people have accidents on your property. If someone slipped and hurt themselves on your pool deck, for example, your liability insurance would cover medical expenses and protect you against lawsuits.

Having homeowners insurance doesn’t mean everything is covered. Many plans are tailored towards specific risks. A homeowner in Oklahoma would want insurance that covered tornado damage, but not flood damage because the flood risk is very, very low. The biggest thing to remember when looking for good homeowners insurance is that you need to work with a company you can trust. National Risk Experts in Palm Beach Gardens, FL has years of experience providing reliable insurance coverage to the people of Florida. Along with insurance, National Risk Experts also specializes in asset protection, retirement planning and human resources services.

Here’s what Christina P. had to say about coverage from National Risk Experts!

“The entire staff at National Risk Experts is friendly and knowledgeable! Greg Buck is always willing to answer your questions and help in any way possible. Thanks for the help on my auto and homeowner’s insurance.” –Christina P.

Posted in auto insurance, Business Insurance, car insurance, Homeowner's Insurance, Insurance, Life Insurance, motorcycle insurance, Personal Injury, Property, recreational vehicle insurance, Retirement, Wealth | Comments Off on Homeowners Insurance From National Risk Experts