Florida Insurance Tips for Business Travelers

If you are one of the thousands of Florida residents who are almost always on the road and moving from one hotel to the next, you may have different insurance needs. Here are some Florida insurance tips for business travelers that could help you save money while ensuring that all of your needs are covered.

Your Car

If you travel a lot for your business, you will want to make sure that your car and all of its contents are covered in the event of an accident or theft. You will likely have several different options from which to choose, but this only applies in the event that you are driving your own car. If you are driving a company car, then the company for which you work is responsible for the insurance coverage. Another thing that you should consider is whether or not your Florida insurance – or even your employer’s insurance – will cover expensive items like laptops or cell phones if they are in the car. You may need to have these covered under your homeowner’s or renter’s policy, instead.

How Your Rates are Set

When it comes to Florida insurance, your rates are set based upon a multitude of factors and this is particularly true for business travelers. For instance, things like the type of car you drive, how your car is used primarily (whether for business or personal use), the number of miles that you drive your car in a year, the location in which you live as well as the locations to which you travel most frequently, and your overall driving record will impact the amount you can expect to pay as far as premiums go. If you use your own car to travel for business, your insurance company needs to know this so that you can get the best coverage possible.

Consider Travel Insurance

If you travel more than you are at home, then some form of travel insurance may be helpful to you. You should look into insurance components like emergency medical coverage, lost luggage, repatriation, trip cancellation or delay, rental cars, evacuation and more. All of these things, while unlikely in most circumstances, are still possible and can cost you an arm and a leg if you are not properly covered. You could look for a plan that is designed specifically for your situation or speak to your agent about adding these components to your existing policies.

Understand Your Health Insurance

Finally, you will need to understand your health insurance policy very well – especially before you travel outside of the country. Your plan likely covers you if you are injured or become sick somewhere within the United States or its territories, but you may find that you have absolutely no coverage in a foreign country. In the event that you are in another country and you need medical help, you will be expected to pay up front ; this can be incredibly costly. If you are planning to travel abroad for business, you should look into short-term supplemental Florida insurance that will cover you in this case.

Business travelers have a lot to worry about. They have to get to their destinations on time, build a good rapport with their leads and finalize sales in order to be successful. Florida insurance should not be a worry, so make sure that you have all of the coverage you need today.