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Insurance Coverage That Meets Your Needs and Budget

Learn more about the different types of coverage we offer to customers. From commercial auto insurance to general liability insurance, Provision Insurance Agency provides quality coverage to meet your needs and budget.

Happy Woman in Car

Auto Insurance

A car is a major investment, and you want to ensure that it's protected with the right type of coverage. Our licensed and well-informed agents are dedicated to finding a low-cost auto insurance policy for your at a price you can afford. Whether you're a perfect driver or a not-so-lucky driver, Provision Insurance Agency has the policy to meet your budget and driving record. We can even cover you if you have multiple points on your record or are suffering from bad credit. For your convenience, we also offer you SR-22 and FR-44 financial responsibility filings.

At Provision Insurance Agency, we work with many insurance companies to ensure you find the right policy and price. Since we are an independent and full-service insurance agency, we work with a group of carefully selected insurance companies so we can give you the choices you want to get the auto insurance you need. We work diligently to offer you a comprehensive range of versatile policies to get you the coverage you need at the most competitive rates. Whether you're looking for basic coverage for your older vehicle or more protection for your newer car, we can find a policy that meets your needs.

Policy Types Include:

  • Personal Auto Insurance - Covers accidents and damage.
  • Motorcycle and Recreational Vehicle Insurance - Covers accidents and damage.
  • RV Insurance - Protects motor homes, trailers, camping trailers, and ATVs.
  • Boat Insurance - Covers liability and damage to sailboats, powerboats, and personal watercraft.

Commercial Auto Insurance

Businesses need insurance coverage for all the vehicles involved in their day-to-day operations just as individuals need personal coverage for their cars and trucks. With insurance in place, you and your business are protected if accidents or incidents occur.

Commercial auto insurance covers you against costs associated with injuries or property damage caused by one of your company vehicles. At Provision Insurance Agency, we provide this coverage for tow trucks, food trucks, long-haul trucks, and much more.

Not only do we cover commercial trucks, vans, and similar vehicles, but we also offer it to for-hire vehicles. For-hire passenger vehicles are operated by companies that provide transportation of passengers for compensation, such as Uber, limousine services, school bus companies, and similar businesses. If you're operating a vehicle in interstate commerce as a for-hire passenger carrier, you need interstate operating authority unless you operate within a commercial zone.

We want to ensure your business has the insurance it needs. Our company carries policies from many insurance providers, which makes it easier for you to find affordable coverage.

A Toy Car, Change, Papers, and a Calculator

Managing Risk Effectively

Operating a business requires ensuring every aspect is up to standards and falls within best practices. For example, if you have a single company vehicle or a fleet, you need to take into consideration maintenance, cleaning, and fuel costs as a matter of practice. In addition to that, there's always the public safety aspect, which is a major one.

Your vehicles are company equipment, just like an office printer, but they occupy a very different niche within company operations and have a different level of risk. A printer won't be involved in a situation that could drastically impact your company, but a delivery van or truck just might. That's why ensuring you have the proper commercial auto insurance is more than mandatory; it's good business sense.

The Coverage You Need

Some company or business vehicles are constantly on the move. Courier vans are endlessly traveling across towns and cities while long-haul truckers log miles upon miles. The sheer volume of hours your vehicles are on the road each day expose them and your company to the chance of accidents or situations which may lead to claims against your business. When you choose Provision Insurance Agency, our team ensures you have the level of transportation insurance your company needs and you require for your peace of mind.

Trucking Insurance for Drivers

When you drive a truck for a living, your truck becomes much more than just a mode of transportation; it becomes your livelihood. That means you're going to need to purchase a specific type of insurance policy that covers your truck, as well as the work you perform with your truck. When you sit down and talk to a member of our experienced staff, you'll be able to create a customized plan that truly fits your needs and budget.

Happy Family by the Pool

Homeowners' Insurance

Your home is one of the biggest investments in your life, which means you need to do what is right to protect it. That's why Provision Insurance Agency offers you a variety of different homeowners' insurance policies designed to help you keep your assets safe in case of an accident, damage, or an emergency.

With one of our policies, you'll rest easy knowing you'll have the funds available to you if there is ever any damage caused to your home. Let our experienced and knowledgeable agents guide you through the process of finding you the homeowners' insurance policy you need at a price you can live with. We look forward to consulting with you about the different threats and concerns you have about your property and how our policies can be designed to protect you against all of them. Your home is safe when you choose our insurance agency.

Affordable Care Act ("Obamacare")

Let's start with the basics. What is the Affordable Care Act, also commonly known as "Obamacare"? Many people are familiar with the term "Obamacare" and have never heard of the Affordable Care Act. The Affordable Care Act was signed into law by President Obama in March 2010. The law makes health care coverage more available to millions of Americans who have been denied previously or simply couldn't afford the cost of insurance. If you are one of the 48 million currently uninsured, you may now qualify for health care at a reduced rate based on your income. The experts at Provision Insurance Agency are certified application counselors for the Affordable Care Act enrollment process for every plan available, so you can be sure that you'll get the very best rate for the coverage plan you need. We can also assist in finding a primary care physician for you after you've enrolled. Contact us to learn more about enrollment assistance for the Affordable Care Act.

Smiling Woman at Doctor's Office

Choosing Your Health Coverage Plan

Under the Affordable Care Act, all Americans will be required to have a form of health insurance that qualifies as "minimum essential coverage." You can speak to us to discuss what qualifies as minimum essential coverage to ensure you don't face a penalty in the upcoming tax season.

The price for the health coverage plan you'll receive under the Affordable Care Act will be subsidized based on your income, meaning you'll only have to pay a portion of the total cost. Our insurance experts can assist you in finding out exactly how much payment assistance you qualify for. Additionally, providers of the health insurance plans in the Affordable Care Act won't be able to screen or exclude coverage because of preexisting conditions. If you've been denied in the past by insurance companies because of a preexisting condition, you'll now qualify for coverage. If you're uninsured and have any health problems, you'll also qualify for the same coverage as a completely healthy person at the same rate (assuming your income is the same).

There's a lot to know about the Affordable Care Act law. You don't have to be an insurance expert to get the right coverage. Contact the certified application counselors at Provision Insurance Agency to discuss everything you need to know about getting enrolled in the Affordable Care Act and finding the right primary care physician for you after enrollment.

Dental and Vision Insurance

A dental insurance plan can help keep you smiling brightly. With coverage for preventative care services, like regular checkups and cleanings, you can save on services that keep your teeth in tip-top shape. Saving money on other dental care needs will also help keep you smiling.

Maintain good vision at an affordable price. Set your sights on a vision plan so you can save on eye exams, eyeglasses, contacts, and Lasik. See what the experienced agents at Provision Insurance Agency can offer you.

Dental and Vision products can be sold year-round to clients both over and under age 65.

Dentist Showing Customer Model

Business Insurance

Protect your company with business insurance. Business owners in Florida and nationwide trust Provision Insurance Agency to meet their business insurance needs. Risk is a factor that most businesses face on a daily basis, and that's why we provide commercial business and general liability insurance options to help protect your business, equipment, employees, and customers.

Imagine arriving to work to notice your building has been vandalized and theft has occurred. Without proper business insurance, your business is at a complete loss. Along with the threat of property damage and theft, cybercrime and data loss has increased with the advancement of technology. Luckily, Provision Insurance Agency can protect you from these situations and more. Disasters such as fires, lightning, and storms don't have to be a worry for your business or your employees anymore.

General Liability Insurance

Accidents happen every day, and no matter how hard you try or how careful you are, sometimes those accidents can happen to you. So what can you do to protect yourself and your assets when your accident has caused harm to someone else or damage to a property? You purchase general liability insurance from Provision Insurance Agency.

General liability insurance provides coverage for your business against lawsuits you might not even begin to imagine. These lawsuits could arise from a variety of things, such as faulty products, injuries, slander, errors and omissions, advertising misprints, and malpractice that you may never fathom as a business owner depending on the industry you're involved in.

Determining which risks apply to your business and ensuring you have the right business insurance should be handled by a professional. Our insurance agents would be happy to discuss your options with you. The following are just a few of the factors included in your business insurance evaluation:

  • Your Business Insurance Needs
  • The Security of Your Intellectual Property and Data
  • The Safety of Your Work Environment, Equipment, and Processes
  • The Number of Employees
  • If Your Employees Drive While Working

The risks your business could face at any moment aren't going anywhere, so contact Provision Insurance Agency, and we'll be happy to discuss the best options for protecting your business, equipment, employees, and customers. We offer polices that cover you in the event that an accident happens on your property, is caused because of your work, or any other instance where you can be declared liable. Reach out to one of our helpful staff members to discuss your needs and to learn more about our general liability insurance policies.

Workers' Compensation

It's very important for business owners to have workers' compensation insurance. The workers' compensation insurance policy provides legal liability coverage for compensation to employees for bodily injury or death caused due to accidents/occupational diseases arising out of and in the course of employment.

At Provision Insurance Agency, we provide multiple workers' compensation carriers with competitive rates. We'll provide our customers with the appropriate workers' compensation insurance that will benefit their business. We care for our business owners, and we want to make sure they're covered. Our workers' compensation carriers offer risk safety management services and dividend plans. You can pay as you go and utilize the PEO services provided by the workers' compensation insurance policy.