home insurance
home insurance

Home Insurance

Living in Florida means being prepared as possible for Mother Nature’s unexpected surprises. The weather’s great but it can also turn your life upside down. That’s why Florida home owners insurance not only covers your house but also your possessions. We even cover the cost to find you a place to stay while repairs are being made to your home in the event of major damage. We cover all of Florida and all the counties in it. And we cover both weather and non-weather damages like, but not limited to:
Storms, Fire, Wind, Hail, Lightning, Snow, Theft, Vandalism

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Business Insurance

Ackerman Insurance offers an array of policies to get your business covered in every way it needs to be. And we only work with insurance providers who are AM best rated such as:

  • Lloyds of London Insurance
  • Zurich Insurance
  • AIG Insurance
  • Allianz Insurance
  • Amtrust Insurance
  • Chubb Insurance
  • Lexington Insurance Company Insurance
  • Nationwide Insurance
  • Liberty Mutual Insurance
  • Travelers Insurance
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Flood Insurance

Flooding can be caused by anything from rising ocean levels to lack of drainage for rainwater, but one thing is for sure, it can happen anywhere and you need to be prepared. For the most part, unless you’re right on the coast the ocean has very little to do with flooding issues. It has to do more with rain and proper drainage.

Even though you may think that flooding is covered by your Florida home insurance, it’s not. Home insurance can cover other types of water damage, but it will not cover water damage from flooding. That’s why you need a separate Florida flood insurance policy to cover your home against those types of damages.

As an independent insurance agency we want to give you the best flood coverage possible. Using our 360 Review Program we work with FEMA to make sure that you get coverage that works for your area. Different policies are offered for your risk-level. FEMA determines if you are at high or low risk by seeing how elevated above sea level your property lies. This determines the policy cost and rate.

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Condo Insurance

Condos are similar to a house in a structural sense, but don’t have the same insurance plans. A big difference is that Florida condo insurance only covers the inside of the building and your personal contents. This is because part of the fees you pay for owning a condo go towards insuring the exterior. Florida condo insurance also has liability coverage for any injuries that occur within your condo.

Though you may not live in a part of Florida that’s as likely to get hit by a hurricane, it’s still something that you need to be aware of as a possibility. All around the coast of Florida are high wind zones, with speeds up to and over 160 miles per hour. Because of this, you need a Florida condo insurance policy that will cover you for these risks.

To make sure you have what you need, our licensed insurance advisors check all 57 companies we work with individually to make sure they’re reliable and appropriate for you. We make sure that they offer both windstorm and hurricane coverage, with a separate deductible. With Full Circle, we cover weather and non-weather damages for the interior of your condo like, but not limited to:
Fire, Windstorms, Hail, Lightening, Freezing of your plumbing, Theft


Policies Offered

Florida General Liability Insurance

General Liability insurance will cover you during a lawsuit if someone hurts himself or herself in your place of business. For some business agreements it can be the minimum mandatory level of liability coverage.

Florida Professional Liability Insurance

Professional Liability Insurance is for companies that may be more prone to lawsuits like, physicians, attorneys, architects, engineers, consultants, and financial firms. This would cover not only the company, but also the individual employees.

Errors and Omissions Insurance

Errors and Omissions Insurance protects professionals that handle large amounts of paperwork from possible mistakes. The insurance protects you against potential paperwork errors.

Florida Garage Liability Insurance

This would be the insurance for those who own a vehicle repair shop of any kind. Garage Liability Insurance covers any bodily injuries or property damages caused by the business’ actions.

Florida Home based insurance policies

This policy is for running a business out of your home. Though you may already have an Florida home insurance policy, it will not cover very much, if any at all, of your business property within the home.

Florida Commercial Building and Property Insurance

Commercial Property Insurance simply covers your physical building as well as the personal and business property it contains.

Florida Apartment Building Insurance

Apartment Building Insurance covers the building and any other structure on the property. General Liability insurance, which covers you for a lawsuit if someone hurts themselves on the premises, and Loss of Income insurance, which provides continuous income after a loss, are also included.

Florida Business Contents Insurance

This policy will only cover the business’ possessions within the building due to damage or loss.

Florida Builders’ Risk Insurance

Builders’ Risk Insurance will cover your building while under construction for things like, fire, theft, vandalism, lighting, and windstorms.

Florida Liquor Liability Insurance

If you own a bar, this one’s for you. This protects you for liabilities and associated costs that become your responsibility from patrons that damage property or injure another person.

Florida Trucking and Hauling Insurance

Trucking and Hauling Insurance is for anyone running a business from a motor vehicle. This would cover the cargo and equipment that you would be carrying.

Florida Cyber Liability

This insurance covers any online businesses and would cover any information that is stolen or hacked.

Florida Business Owner’s Policy

Business Owner’s Policies, also called BOPs, are a basic level of Florida business insurance. This coverage covers property insurance for your building along with your company’s possessions. Business interruption insurance, which reimburses your company for lost income in the event of a covered loss, is also included along with liability coverage for your
legal responsibilities. These three types of coverage are bundled together and can be a prime starting point for some businesses.

Florida Restaurant Insurance

Restaurant Insurance covers things that are more specific to a restaurant, bundling a few policies together for your convenience. The policy includes General Liability Insurance, which will cover you for a lawsuit if someone hurts themselves in the restaurant and Worker’s Comp Insurance, which will cover your employees’ medical costs and lost wages if they are injured on the job. It also provides liability coverage for the restaurant as well as personal property coverage and identity theft insurance.

Florida Surety and Bonds

Bonds are used when companies need to show their clients that they will fulfill an agreement. If the company hired to do the work fails to do what was promised, the customer can get their money back from the bond. We would oversee this contract. Within the state of Florida there are multiple Bonds that are available such as, title bonds, business service bonds, and alcoholic beverages and tobacco bonds.

We’ve got YOU Covered.

We think it should be fairly painless to get good insurance. Don’t you? And we don’t think you should over pay for it.

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