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Florida is a no-fault state, meaning your own Personal Injury Protection (PIP) covers your medical expenses regardless of who caused the accident — up to $10,000. Bodily injury liability is not required by law but is highly recommended.
Florida has the highest percentage of uninsured drivers among large states, with roughly 20% of motorists carrying no coverage. UM/UIM coverage is critical for Florida drivers.
Florida law does not require bodily injury (BI) liability, but if you cause an accident resulting in serious injury, you can be personally sued for medical bills, lost wages, and pain and suffering. We strongly recommend at least 100/300 BI limits.
Florida drivers should carry at least 100/300/100 with stacked UM/UIM coverage. The state minimums leave dangerous coverage gaps — PIP alone covers only $10,000 in medical bills, which can be exhausted by a single ER visit.
Florida homeowners insurance is among the most expensive in the nation, driven by hurricane exposure, litigation costs, and a volatile property insurance market. Average premiums exceed $4,000/year — more than double the national average.
Citizens Property Insurance, Florida's insurer of last resort, has grown to become the state's largest carrier as private insurers have exited the market. While Citizens provides essential coverage, private-market alternatives often offer better terms. Select Insurance Group compares Citizens quotes alongside 40+ private carriers to find the best combination of coverage and price.
Wind mitigation inspections can significantly reduce Florida homeowners premiums. Features like hip roofs, hurricane shutters, and secondary water resistance barriers qualify for mandatory credits under Florida law. We help homeowners understand which improvements deliver the greatest insurance savings.
Operating without required workers compensation in Florida triggers a stop-work order. Penalties include $1,000/day for non-compliance plus liability for all employee injury costs.
Florida requires workers compensation for businesses with 4 or more employees — and just 1 employee for construction companies. Officers and LLC members may exempt themselves, but the coverage remains mandatory for the employee count threshold.
Florida's commercial insurance market is shaped by hurricane risk, high litigation rates, and a growing economy. General liability, commercial property, and inland marine policies require careful attention to wind exclusions and named-storm deductibles. Our commercial team structures policies that close these gaps.
Orlando-based headquarters with 5 Florida offices — Kissimmee, East Orlando, South Orlando, West Orlando, and Tampa.
Deep expertise in Florida's no-fault auto system, PIP requirements, and BI/UM coverage strategy.
Wind mitigation knowledge that helps homeowners maximize premium credits under Florida law.
Bilingual Spanish/English agents serving Central Florida's diverse communities.
We compare rates from these top-rated carriers — and more — to find the best coverage and price for Florida residents.
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Florida requires $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability. Florida does not require Bodily Injury liability, but we strongly recommend at least 100/300 BI limits to protect your assets in an at-fault accident.
Florida homeowners insurance costs are driven by hurricane exposure, high litigation rates (assignment of benefits abuse), and insurer insolvencies. Average premiums exceed $4,000/year. Working with an independent agent who shops 40+ carriers is the best way to find competitive rates without sacrificing coverage.
A wind mitigation inspection evaluates your home's resistance to hurricane damage. Florida law requires insurers to offer credits for features like hip roofs, hurricane shutters, roof deck attachments, and secondary water resistance. The inspection typically costs $75-$150 and can save hundreds annually on premiums.
Yes. Florida requires workers compensation for businesses with 4 or more employees. Construction companies need coverage with just 1 employee. Operating without coverage can trigger a stop-work order and penalties of $1,000 per day.
Citizens is Florida's state-run insurer of last resort, created to provide coverage when private carriers are unavailable or unaffordable. It has become Florida's largest insurer as many private carriers have left the market. We compare Citizens quotes alongside private carriers to find the best option for your situation.
Yes. Select Insurance Group specializes in finding coverage for drivers with gaps in insurance history, SR-22 requirements, or non-standard driving records. We compare rates from carriers that specialize in new and returning drivers to find affordable Florida coverage.
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