Our clients expect more... So we deliver!

Troy Torchia

2017-05-17T00:47:57+0000

One call to Theresa Ursitti and within no time we had proof of insurance for the purchase of my daughters new car. Thanks to Chris Holtrop as well! Great service and team work! You won't be disappointed.read more

Steven Olesen

2017-05-09T22:01:32+0000

The entire team @ Agency 54 Insurance have provided my family and I with the most comprehensive insurance coverage thru asking a lot of questions so that we could purchase exactly what we desired for our family insurance needs. Caring PROFESSIONAL AND COURTEOUS GREAT SUPPORT and VALUE ��read more

Adam James

2017-05-09T16:26:38+0000

Agency 54 Insurance delivers time and again on the very values that shape their culture. Not only are they people of integrity, but they invest much time into learning about your needs and how they can improve your insurance across all spectrums. They are professional, diligent, and extremely competent. I highly recommend them for all of your insurance needs!read more

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One of the biggest factors for finding insurance for a business depends on the type and size of your company. A start-up and smaller organizations will face a much easier process and significantly lower premium rates than a big corporation with multiple locations.

How Much will Business Insurance Cost?

The cost of business insurance depends on the coverage and a number of other factors. The range could be from $500 a year on up to hundreds of thousands of dollars depending on your company.

Agency 54, an independent insurance agency, has developed an efficient process of shopping and comparing business insurance quotes for you. We can simplify the jargon and clarify the fine print so you will know exactly what you’re getting. We work with multiple carriers giving you more options to find the ideal coverage.

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Agency 54 offers OneBill Pay20180521185252

Agency 54 offers OneBill Pay

Agent54adminMay 21, 20180 comments

Agency 54 offers OneBill Pay for qualifying policy holders.OneBill Pay is designed to simplify your life and your insurance billing process. Agency54 ...

Concierge Insurance Program

The concierge program provides its members the ultimate comprehensive approach to risk management.

Agency54 offers this specialized service highlighting simple and efficient methods of maintaining appropriate coverage and virtually eliminating unnecessary time spent on insurance. The concierge program manages your risk on your behalf and provides frequent communication related to modifications, transactions, and servicing needs.

Program Highlights:

Benefit #1.

A single risk management portfolio strategy
Benefit #2.

Agency54 direct claims servicing
Benefit #3.

Complete underwriting review of each individual policy for coverage, efficiency, and pricing

Benefit #4.

Solution-based recommendations to enhance coverage while staying competitive
Benefit #5.

OneBill Pay access for no additional fees (see OneBill Pay details)
Benefit #6.

Documentation and record keeping of loss prevention and underwriting credit solutions

Additional Program Benefits:

Benefit #1.

Complete analysis of all risk protection policies
Benefit #2.

Quarterly reports detailing coverage, transactions and recommendations; annual reviews
Benefit #3.

One portfolio for all insurance needs in a consolidated format
Benefit #4.

Document safe-storage and appropriate inventory documentation of insurable item

Benefit #5.

One transaction for all your insurance needs; OneBill Pay manages transactions with carrier-partners
Benefit #6.

Full evaluation analysis of all properties and insurable interests
Benefit #7.

Monthly communication offering market updates, tips and changes
Benefit #8.

Claims processing full-access service

How Much Does Life Insurance Cost?

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Personal Umbrella Insurance

A personal umbrella policy is best described similar to that of a rain umbrella; Although the umbrella protects you from getting wet, it does not stop the rain drops from falling!

At Agency54 Insurance we understand that Umbrella Liability Insurance is similar in that it cannot prevent accidents or mishaps, but can make those things less devastating financially.

Your primary insurance coverage, like your homeowners and auto policies, includes liability coverage up to a certain limit. Liability is your legal responsibility to pay for damage to a person or to a person’s property. An umbrella policy increases your liability coverage substantially; and more types of claims are covered and at a higher limit.

Personal Umbrella Coverage. Who? What? How?

Who needs a Personal Umbrella Liability Policy?
Anyone with the assets to protect; everyone who drives a vehicle, including a car, motorcycle, boat or ATV; everyone who owns or rents a home.

Adequate liability insurance provides protection from financial consequences. Pain and suffering, lost wages, medical bills and property damage are some of the items you may be sued for that are covered by umbrella liability insurance.

What does Umbrella Liability Insurance Cover?
Increases the dollar limit of liability coverage for primary policies.

Covers Claims excluded by primary policies.

How Much Umbrella Insurance do you Need?
The right amount of liability insurance for any individual, family or business depends on a number of factors. These include the risks you face and the assets you want to protect.

As a general rule of thumb if you add up all of your assets and then double that figure this can be a basic way of determining the amount of coverage you need. Considering the cost of medical payments and legal fees, this amount can vary considerably by region.

The licensed agents at Agency-54 insurance can provide the information and advice you need to select an umbrella liability insurance policy right for you.

Don't wait, get a quote today!

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RV Insurance

Agency-54 Insurance understands the allure to cruising the roads with your family in an RV!

RVs come in many sizes, shapes, and forms. At Agency 54 we provide coverage for everything from Class-A motorhomes, to truck campers and fifth wheels.

RV Insurance, also known as motorhome insurance, covers the cost of repairing or replacing your vehicle after an accident.

Liability coverage is required in Florida and covers property damage, medical costs and legal fees if you cause an accident.

RV Insurance Coverage, Rates & Cost.

What Affects your RV Policy Coverage and Rates?
When you are preparing to buy an RV policy, the insurance type and amount of coverage you need should be based on the use of the motorhome.

If the vehicle serves as your residence full time you will need greater coverage then if you only occasionally use it for a trip or two during the summer. Full-timers who keep all of their belongings in the motorhome should also consider personal property coverage.

Additionally, if you only use the RV seasonally, you will need to consider how to insure it when it is not in use. How you store your motorhome will make a difference for your insurance needs.

What Determines RV Insurance Cost?

Where you Travel.
A full-timer will need more in-depth coverage than a recreational motor-homer. How far you travel and in what regions will all be of consideration.

The Type of RV you Own.
The type of motorhome you are driving will make a difference for your coverage.

Your Driving Record.
Your history as a driver is important. It tells and the insurance company whether you are a risk-taker or more cautious.

As a local, independent South Florida insurance agency, we have aligned with a variety of A-rated markets to consider and compare for the right policy for you.

Don't wait, get a quote today!

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Renters Insurance

Agency 54 Insurance has partnered with multiple, A-rated carriers that offer competitive rates and comprehensive coverage for renters.

Common questions about renters insurance.

Why Buy Renters Insurance?
Renters Insurance provides low-cost coverage for your personal belongings so you can recover from loss, damage or theft. It also covers your personal liability.

Your landlord’s policy covers the building and grounds, but will not reimburse you for the cost of your personal items in the event of a loss; or cover the cost of injuries or damage that happen inside your apartment space.

Renters insurance is not mandatory in Florida. In some cases however, landlords will require their tenants to buy renters insurance. Make sure you check your renter agreement prior to signing it. You are most likely to be required to carry renters insurance if you live in an apartment building or other type of multi-unit rental. Many people who rent feel that renters insurance is in unnecessary expense. While you may not have a lot of expensive belongings, if you take the time to write down an inventory and an estimated value of everything you own, you may be surprised.

What Does A Renters Policy Cover?
Renters insurance covers your personal belongings or contents against damage and loss, including from theft, fire, and even smoke which can be quite destructive. Your contents insurance may provide actual value reimbursement for your items, or, for a slightly higher premium, they cover your full replacement cost.

Your renters insurance will typically cover the cost of temporary housing if your home should be uninhabitable for a period of time following a disaster. It is important not to assume that your landlord will cover this cost for you, as that will depend on the cause of the loss in the landlords specific coverage.

Your policy will provide liability insurance should you be held responsible for an injury to a visitor in your home; this coverage can be beneficial as medical bills can add up quickly.

How Much Does a Renters Policy Cost?
The cost of renters insurance is relatively low. On average, Florida renters pay somewhere around $200 a year, or $16.67/month for renters-insurance.

Contact a licensed agent at Agency-54 for more information, or to compare policies to find out what is best for you.

Don't wait, get a quote today!

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Motorcycle Insurance

Agency 54, your South Florida Independent Insurance Agency prides itself in having partnered with the best motorcycle programs in the country.

We understand that with every activity comes risk. Especially those that involve wheels, speed, and the unpredictable factors that drivers and motorcyclist experience while on the road. We are here to make sure you have the motorcycle insurance you need to be fully covered in the event of an accident.

In Florida there is a financial responsibility law, requiring motorcyclist to pay personal and property damages in an accident they cause. This is similar to the auto insurance personal injury protection required insurance in Florida.

There are many things to consider when purchasing a policy for your motorcycle. Insurance can be confusing. Plans often have various limitations and exclusions, though they are not always clear.

At Agency 54 Insurance our licensed insurance professionals will help you understand what your plan covers and does not cover.

Types of Motorcycle Coverage.

Liability Insurance Policy.
There are three forms of liability coverage.

Bodily Injury Liability for one person.

Bodily Liability for all people involved.

Property Liability for damage to others property.

If you cause an accident and someone is injured, the bodily liability would cover the cost for the treatment of that person.

Before you decide on the liability coverage in your motorcycle insurance policy, consider how much you can afford if the accident is severe. If the costs of the crash exceed your limits, you will have to pay out-of-pocket.

Collision Coverage.
If your motorcycle is damaged in an accident, collision coverage will pay for repair or replacement regardless of who was at fault for the accident.

Accessories Coverage.
If you have done any aftermarket upgrades or any enhancements to the motorcycle you may want additional coverage for these items.

Don't wait, get a quote today!

Factors that Affect your Rates with Motorcycle Insurance.

Your Credit Score.
Your credit history affects your motorcycle insurance premium as much or more than your driving history. Statistically, motorcycle riders with poor credit are more likely to file a claim, so insurance companies tend to raise premiums for these customers to compensate for risk.

Your Driving History and Age.
The insurance company will do a risk assessment based on how old you are. They will include traffic accidents or violations on your record, both for your motorcycle and your car.

Where you Travel and Live.
If you travel in high accident or crime areas, your risks are higher. Where you store your bike also matters; if it’s kept in a locked garage, it is much less likely to be stolen or damaged.

How Frequently you Ride.
If you ride year round, you will face more risks then drivers who only use their motorcycles for a few months of the year, or only on weekends.

The Make and Model of your Motorcycle.
How expensive is your bike? How new? And how much horsepower?

After-Market Additions.
Insurers will also take into account whether you have added specialty components such as a custom frame.

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Business Insurance

Agency54 Insurance and our independent insurance professionals know the importance of having business insurance.

Business insurance is a contract between a business and an insurance company where the insurer will pay to repair, replace or recover the value of whatever the business has under coverage if it’s lost or damaged by a set number of causes.

Why do you Need Business Insurance?

Every company, big or small, needs some form of insurance. Certain types of insurance may not be required or seem irrelevant to you but one tiny mistake could leave your company in financial ruins. All because you didn’t want to shell out a few hundred dollars for coverage.

Bad things can happen to your company.

You could lose your stuff; theft or damage of buildings, personal property or equipment.

You could be sued. A product or service causes damage or bodily harm to one of your customers.

You could make a mistake. A Professional error that causes emotional distress.

Basic Business Insurance coverage can include the following and more:

Property Insurance.
This covers loss or damage to your stuff due to fire, storms and other causes.

General Liability.
Covers claims for injuries to other people.

Professional Liability.
Covers your mistakes that cause physical or emotional injury.

Commercial Auto.
Covers work vehicles and certain damage they do.

Cyber Crime Insurance.
Covers the loss of customers sensitive data.

Employer Insurance.
Covers social security, unemployment and workers compensation.

In order to find the proper appropriate insurance for your business you’ll have to figure what coverage makes sense and what benefits will outweigh the premium cost.

How many employees do you have?
How much is your annual payroll?
Have you had any claims on your business in the past? What type of risks is your business subject to?
What is your business type and classification?

Don't wait, get a quote today!

How Much will Business Insurance Cost?

The cost of business insurance depends on the coverage and a number of other factors. The range could be from $500 a year on up to hundreds of thousands of dollars depending on your company.

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Condo Insurance

Here in Florida condominiums offer an alternative to traditional single-family home ownership.

The advantages to condominium ownership are many

Hassle-free groundskeeping
Maintenance of common areas

Access to amenities
Social living environment

Typically, condo complexes are conveniently located near shops and entertainment
A high level of security

Condominium insurance is designed to protect you, the condo owner, from financial loss if someone is injured within your home. It will also protect you from damages and losses due to burglary, fire, or other incidents.

You may have questions about Condo Insurance; Agency 54 and our licensed agents have the experience, knowledge and training to write quality condo coverage; and we have selectively partnered with the best industry carriers.

The best way to determine the right policy for you is to compare several different policies. This includes comparing coverage offering, as well as price

Homeowners Policy vs. Condo Policy?
A traditional homeowners policy provides coverage for damage to the structure of the home as well as the contents within. Typically, the condo association will have a master policy that covers damages to the structure of the building and to the common areas. This policy also provides liability coverage for injuries that occur in common areas or on site facilities such as the gym or swimming pool.

Because condominium association’s cover damage and injuries in common areas, condo owners can obtain insurance coverage that is less costly than typical homeowners insurance.

Why Have a Condo Policy?
Condo insurance covers the personal property and liability risks faced by condo owners; it picks up where the condo association insurance leaves off.

Condominium insurance is designed to protect you from financial loss if someone is injured with in your home. It will also protect you from damages and loss due to burglary, fire or other incidents.

What does condo insurance cover?
When you own a condo you are responsible for covering any and all damages within your unit often including interior walls, flooring and ceiling’s. A condo insurance policy also provides coverage for personal property damage and liability risk.

Liability Claims
If a guest is injured while in your condo and you are held liable, your condo insurance can cover some portion of the bodily injury claim, depending on your liability limit. Most policies also provide coverage for court costs and legal fees.

What is NOT Covered by Insurance for Condos?
Condo insurance will not cover damages to personal property caused by flooding; you must have a separate flood insurance policy if rising water damages your home.

Condo insurance will not typically cover damages to your property caused by your car or truck, or damage to your vehicles. In some cases you can add a recreational vehicle to the policy, the coverage offered for these vehicles is often very limited.

Don't wait, get a quote today!

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Life Insurance

Agency 54 is a licensed independent agency for life insurance. We work for you, the insured, not the insurance companies.

Even if you’re the healthiest person alive there’s always that chance you could fatally fall into a giant pit of human eating alligators. Statistically that scenario shouldn’t concern you but death is an unapologetic party pooper that will find a way to end the fun.

That being said, it’s time to think about having a sound, just-in-case plan so your loved ones are not stuck paying your tab.

Life insurance is a contract between you and an insurance company where you give them money, and if you were to die they would give the set amount of money to whomever you choose.

The Benefit of Life Insurance.

You don’t want to be leaving your loved ones with a pile of debt and expense. If you think about it not only would your family have to grieve your death, they would also have to figure out how they’re going to pay for everything.

Reasons for Owning Life Insurance.

– Cover burial and other final expenses
– Help replace lost wages/income of a wage
– Transfer wealth or leave an inheritance
– Help pay off the mortgage

– Supplement retirement income
– Pay for home care expenses
– Pay for estate taxes or Create estate liquidity
– Provide funds for a college education

– A tax advantaged way to save and invest
– A way to make a charitable gift
– Business purposes

The Basics About the 3 Types of Life Insurance.

Term Life Insurance.
Term life insurance is more of a temporary plan that covers you for a period (term) of time; usually 10, 20 or 30 years. If you stop living within that timeframe a set amount of money would go to the people/person you choose.

Whole Life Insurance.
This is a similar concept as term, but this policy is forever or until you die. It also includes additional benefits.

Benefit #1.
It has a savings account that accrues money. Eventually if you continue to not die, it will hit the policies coverage amount. At that point the insurer will give in and say “you have enough cash in your savings now; as much or more than what we would pay out so you don’t need us anymore, so Good luck not dying!”

Benefit #2.
Whatever cash you accrue, you can borrow, but to no surprise you’ll eventually have to pay it back to continue your coverage.

Universal Life Insurance.
It’s a lot like the whole life plan but with more benefits and options. Instead of a standard savings account you also accrue interest.
Flexible Payment Plans – You can kick in more money than your payment to take advantage of the additional interest. Not only can you borrow from this account, but you can also skip payments without penalty as long as the account has cash value (money) in it.

How Much Does Life Insurance Cost?

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