At Wise Insurance Agency, serving Bartow and all of Polk County, Florida, we understand that finding affordable insurance coverage is a top priority for homeowners and drivers. Whether you're insuring your home or your vehicle, there are practical ways to reduce your premiums without sacrificing essential coverage. Here are our top 10 tips to help you save money on your home and auto insurance.

1. Bundle Your Policies Many insurance companies, including Wise Insurance Agency, offer discounts when you bundle your home and auto insurance policies. Bundling can result in significant savings and make it easier to manage your coverage under one provider.

2. Increase Your Deductible Opting for a higher deductible can lower your monthly premiums. However, be sure to choose a deductible amount that you can comfortably afford in the event of a claim.

3. Maintain a Good Credit Score Insurance providers often consider your credit history when calculating premiums. Improving and maintaining a good credit score can lead to lower rates on both home and auto insurance policies.

4. Take Advantage of Discounts Many insurers offer various discounts such as multi-policy, safe driver, senior citizen, and loyalty discounts. Ask your agent at Wise Insurance Agency about all available discounts you might qualify for.

5. Install Safety and Security Features Enhancing the security of your home with alarms, smoke detectors, and deadbolt locks can reduce your home insurance premium. Similarly, installing anti-theft devices in your vehicle can lower your auto insurance rates.

6. Drive Safely and Maintain a Clean Record A history of traffic violations or accidents can increase your auto insurance premiums. Practicing safe driving habits and maintaining a clean driving record can lead to significant savings over time.

7. Review Your Coverage Annually Life changes, and so do your insurance needs. Reviewing your policies annually with a Wise Insurance Agency agent can help ensure you're not overpaying for coverage you no longer need.

8. Consider Pay-Per-Mile Insurance If you drive less frequently, usage-based insurance programs might be a great option. These programs adjust your premium based on how much you drive, potentially saving you money.

9. Avoid Small Claims Filing multiple small claims can lead to higher premiums. Consider paying out-of-pocket for minor repairs to keep your claims history minimal and your premiums lower.

​10. Compare Insurance Quotes Shopping around and comparing quotes from different insurance providers can help you find the best rates. Wise Insurance Agency can help you find competitive rates from top insurers in Polk County, Florida.

Get a Personalized Quote Today. If you're looking to lower your home and auto insurance costs while maintaining excellent coverage, Wise Insurance Agency is here to help. Contact us today for a free quote and let us find the best insurance options tailored to your needs.
Call us at 863-534-3431  or request a quote on our website. 

​Running a business in Florida comes with its own unique set of challenges. From unpredictable weather patterns to navigating the complexities of local regulations, small business owners have a lot on their plate. That’s where Wise Insurance comes in—your trusted Florida insurance agent specializing in small commercial insurance for over 50 years.
With decades of experience and a commitment to personalized service, Wise Insurance has earned a reputation as a reliable partner for Florida businesses. Let’s explore why Wise Insurance should be your first choice and the key types of commercial insurance your business needs.


Why Choose Wise Insurance?1. Trusted Expertise: For over half a century, Wise Insurance has been helping Florida businesses protect their assets and operations. With a deep understanding of local risks and regulations, we provide tailored solutions that meet the unique needs of small businesses.
2. Personalized Service: Unlike large, impersonal insurance companies, Wise Insurance takes the time to understand your business. Our dedicated agents work closely with you to identify risks and recommend policies that provide comprehensive coverage without unnecessary costs.
3. Comprehensive Coverage Options: Wise Insurance offers a wide range of commercial insurance products, ensuring that no aspect of your business is left unprotected. From property to liability, we’ve got you covered.
4. Florida Focus: We specialize in serving Florida businesses, which means we’re well-versed in the specific challenges and opportunities unique to the Sunshine State. Whether you’re a coastal shop or an inland contractor, our expertise ensures your coverage is tailored to your location.


Key Types of Commercial Insurance for Florida BusinessesAs a business owner, protecting your livelihood is crucial. Below are the essential types of commercial insurance you should consider:
1. General Liability Insurance: This foundational policy covers your business against claims of bodily injury, property damage, and personal injury. It’s essential for protecting your business from lawsuits and accidents.
2. Commercial Property Insurance: Florida’s weather can be unpredictable, making property insurance a must-have. This policy covers damage to your business’s physical assets, including buildings, equipment, and inventory, caused by events like hurricanes, fires, or vandalism.
3. Workers’ Compensation Insurance: Required for most businesses in Florida, workers’ compensation covers medical expenses and lost wages for employees injured on the job. It also protects employers from lawsuits related to workplace injuries.
4. Commercial Auto Insurance: If your business owns vehicles, commercial auto insurance is essential. This policy covers accidents, liability, and damage involving company vehicles.
5. Professional Liability Insurance: Also known as errors and omissions (E&O) insurance, this policy protects businesses that provide professional services against claims of negligence, errors, or failure to deliver promised results.
6. Business Interruption Insurance: Natural disasters can temporarily halt operations, leading to lost income. Business interruption insurance helps cover lost revenue, payroll, and other expenses during downtime.
7. Cyber Liability Insurance: In today’s digital age, cyber threats are a growing concern. Cyber liability insurance protects your business against data breaches, cyberattacks, and the associated legal and recovery costs.
8. Inland Marine Insurance: For businesses that transport goods or equipment, inland marine insurance covers items while they’re in transit or stored offsite.
9. Umbrella Insurance: Sometimes, standard policies aren’t enough. Umbrella insurance provides additional liability coverage, offering an extra layer of protection for your business.


Partner with Wise Insurance TodayChoosing the right insurance agent can make all the difference in protecting your business and ensuring peace of mind. Wise Insurance has been a trusted name in Florida for over 50 years, helping small businesses navigate the complexities of commercial insurance with ease and confidence.
When you partner with Wise Insurance, you’re not just getting a policy; you’re gaining a partner who’s dedicated to your success. Let us help you safeguard your business so you can focus on what you do best—growing and thriving.
Ready to protect your business? Contact Wise Insurance today and experience the difference that 50+ years of expertise and personalized service can make.

As a small business owner in Polk County, Florida, you pour your heart and soul into your work. Your business is more than just a source of income; it’s your passion, your dream, and a vital part of our local community. That’s why protecting it with the right commercial insurance is essential.
In this guide, we’ll break down what commercial insurance is, why it matters, and how it can safeguard your business from the unexpected. Whether you’re a contractor, retailer, or run a local service-based company, this guide is tailored to help Florida business owners like you.
What Is Commercial Insurance?Commercial insurance is a type of coverage designed to protect businesses from financial loss due to unforeseen events. It includes various policies that address different risks, such as property damage, liability claims, and employee injuries.
For small businesses, having the right insurance isn’t just a smart move—it’s often a legal requirement. Beyond meeting regulations, commercial insurance gives you peace of mind, knowing your business can weather challenges without jeopardizing your livelihood.
Why Is Commercial Insurance Crucial for Small Businesses?Running a business comes with its own set of risks. In Florida, where weather events like hurricanes are a reality, businesses face additional challenges. Here are some reasons why commercial insurance is vital:

• Protect Your Assets: Your equipment, inventory, and physical space are critical to your operations. Insurance ensures they’re covered in case of damage or loss.
  
• Mitigate Liability Risks: Accidents happen. If a customer slips in your store or your service unintentionally causes damage, liability insurance helps cover the costs.
  
• Comply with Legal and Contractual Obligations: Many contracts, leases, and regulations require proof of insurance. Staying compliant keeps your business in good standing.
  
• Safeguard Against Natural Disasters: Florida’s hurricane season poses a unique risk. Property insurance can help your business recover quickly after a storm.
  

Types of Commercial Insurance Every Small Business Should ConsiderHere are some key policies to explore:
1. General Liability InsuranceCovers legal costs and damages if someone sues your business for personal injury, property damage, or advertising injury. It’s a must-have for all businesses.
2. Property InsuranceProtects your business’s physical assets, such as your building, equipment, and inventory, from risks like fire, theft, and storms.
3. Workers’ Compensation InsuranceFlorida law requires this coverage if you have employees. It covers medical expenses and lost wages if an employee gets injured on the job.
4. Commercial Auto InsuranceIf your business owns vehicles, this policy is essential. It provides coverage for accidents, liability, and vehicle damage.
5. Professional Liability InsuranceAlso known as Errors and Omissions (E&O) insurance, it protects service-based businesses from claims of negligence or mistakes.
6. Contractor InsuranceFor contractors in Florida, this specialized coverage includes liability and property insurance tailored to the unique risks of your trade.
Tips for Choosing the Right Commercial Insurance

1. Assess Your Risks: Every business faces different risks. Consider the nature of your work, your location, and your industry-specific needs.
   
2. Work with a Local Agent: A local insurance expert understands the specific challenges Polk County businesses face and can recommend the right coverage.
   
3. Bundle Policies: Combining multiple policies (e.g., general liability and property insurance) into a Business Owner’s Policy (BOP) can save you money.
   
4. Review Regularly: As your business grows, your insurance needs may change. Regularly review your coverage to ensure it’s still adequate.
   

Why Wise Insurance Agency Is Your Trusted PartnerAt Wise Insurance Agency, we specialize in helping small business owners in Polk County find tailored commercial insurance solutions. We understand the unique challenges you face, from unpredictable weather to industry-specific risks.
Our team is here to guide you through every step, from assessing your needs to finding the best policies for your budget. Let us help you protect what matters most: your business.
Take the Next StepYour business is your legacy. Don’t leave it unprotected. Contact Wise Insurance Agency today to schedule a consultation and discover how we can help safeguard your small business with the right commercial insurance.
Call us now at 863-534-3431 or visit www.wiseinsllc.com to learn more.

Why Every Florida Homeowner Needs Hurricane Insurance
Living in the Sunshine State has its perks—beautiful beaches, warm weather, and vibrant communities. However, Florida's location also makes it vulnerable to hurricanes and severe storms. These natural disasters can cause extensive damage to homes, leaving homeowners with costly repairs and financial strain. This is why every Florida homeowner should consider hurricane insurance as a vital part of their protection plan.
Understanding the RisksFlorida experiences more hurricanes than any other state, with storm season running from June 1 to November 30. Even if a hurricane doesn’t make landfall directly, heavy winds, flooding, and storm surges can still cause significant damage to your property. Without proper insurance, recovering from these damages can be overwhelming.
What Does Hurricane Insurance Cover?Hurricane insurance typically includes:

• Wind Damage: Covers damage to your home and structures caused by high winds.
  
• Flooding: Many homeowners’ insurance policies don’t cover flood damage. A separate flood insurance policy may be necessary to ensure full coverage.
  
• Additional Living Expenses: If your home becomes uninhabitable due to storm damage, hurricane insurance can help cover the cost of temporary housing and related expenses.
  

Why Regular Homeowners Insurance Isn’t EnoughStandard homeowners insurance policies in Florida often exclude or limit coverage for hurricane-related damage. While you may have wind coverage, it might not be sufficient for the scale of damage caused by a major hurricane. Additionally, flood damage—a common consequence of hurricanes—is rarely included and requires separate coverage.
Protecting Your InvestmentYour home is one of your most significant investments, and hurricane insurance provides the peace of mind that you’re prepared for the unexpected. With the right coverage, you can avoid financial hardship and focus on rebuilding after a storm.
Tips for Choosing Hurricane Insurance

1. Assess Your Risk: Consider your home’s location, elevation, and proximity to flood zones.
   
2. Understand Deductibles: Florida policies often have hurricane-specific deductibles that are separate from standard coverage.
   
3. Bundle Policies: Many insurance providers offer discounts if you bundle your homeowners, hurricane, and flood insurance.
   
4. Review Your Policy Annually: Ensure your coverage remains adequate as your home’s value or risks change.
   

How Wise Insurance Agency Can HelpAt Wise Insurance Agency, we understand the unique challenges Florida homeowners face. Our experienced agents are here to help you navigate the complexities of hurricane insurance, ensuring you have the coverage you need. We’ll work with you to assess your risks, explain your options, and customize a policy that fits your budget and requirements.
Don’t Wait Until It’s Too LateHurricanes can strike with little warning, and once a storm is named, it may be too late to secure coverage. Protect your home and your family by investing in hurricane insurance today. Contact Wise Insurance Agency at www.wiseinsllc.com to get started.
Your home is your sanctuary—let us help you keep it safe.

Roofing contractors in Florida face unique challenges due to the state’s severe weather conditions, including hurricanes, tropical storms, and heavy rain. Having the right insurance coverage is essential for roofing contractors to protect their businesses, employees, and clients. In this blog post, we’ll explore the types of insurance roofing contractors in Florida need, why coverage is critical, and how to ensure your policy fits your business needs.

Why Roofing Contractors Need Insurance in FloridaFlorida’s roofing industry is highly regulated due to the risks involved in roofing work. Accidents, property damage, and liability claims can result in costly legal battles and financial losses. With the right insurance, roofing contractors can focus on growing their business while staying protected against unforeseen risks.

Key Insurance Coverages for Roofing Contractors in Florida

1. General Liability Insurance
   
   • What It Covers: Protects against third-party claims for bodily injury, property damage, and personal injury related to roofing work.
   • Why It’s Important: A homeowner slipping on construction debris or damage caused during roof installation could lead to costly lawsuits.
2. Workers’ Compensation Insurance
   
   • What It Covers: Medical expenses, lost wages, and rehabilitation costs for employees injured on the job.
   • Why It’s Important: Roofing is inherently dangerous. Workers’ comp is required by Florida law for businesses with four or more employees.
3. Commercial Auto Insurance
   
   • What It Covers: Vehicles used for business purposes, including damage, accidents, and theft.
   • Why It’s Important: Roofing contractors rely on trucks and trailers to transport materials, making this coverage essential.
4. Contractor’s Equipment Insurance
   
   • What It Covers: Tools, equipment, and heavy machinery used in roofing projects.
   • Why It’s Important: Expensive tools and equipment can be damaged, stolen, or lost on job sites.
5. Inland Marine Insurance
   
   • What It Covers: Materials and equipment while being transported to or from job sites.
   • Why It’s Important: Protects valuable roofing supplies like shingles and metal sheets in transit.
6. Commercial Property Insurance
   
   • What It Covers: Business property, including offices, warehouses, and storage facilities.
   • Why It’s Important: Florida’s weather can damage property quickly, making this coverage essential.
7. Surety Bonds
   
   • What It Covers: Guarantees project completion according to the contract terms.
   • Why It’s Important: Many Florida clients require contractors to be bonded before starting a project.

Florida Roofing Insurance RequirementsFlorida roofing contractors must meet specific state licensing and insurance requirements:

• Licensing: Roofing contractors must be licensed by the Florida Construction Industry Licensing Board.
• Insurance Minimums: Contractors must carry workers’ comp and general liability insurance with minimum coverage amounts set by the state.

Failing to maintain the required insurance can result in hefty fines, license suspension, or even revocation.

How to Choose the Right Roofing Contractor Insurance

1. Work with a Trusted Insurance Agent: Choose an insurance agency with experience in the construction industry, like Wise Insurance Agency LLC, to guide you through the policy selection process.
2. Customize Coverage: Tailor your policy based on your company’s size, number of employees, and the type of roofing work you do.
3. Compare Quotes: Get multiple quotes to ensure competitive pricing without sacrificing coverage.
4. Review Annually: As your business grows, review your coverage regularly to ensure it meets your evolving needs.

Stay Protected, Stay SuccessfulRunning a roofing business in Florida comes with inherent risks, but having the right insurance coverage can keep your company safe from financial hardships. Protect your business, employees, and clients by securing comprehensive insurance tailored to your roofing business.
Need Expert Insurance Guidance?
Contact Wise Insurance Agency LLC today for personalized insurance solutions designed specifically for Florida roofing contractors. We’ll help you build a policy that keeps your business covered—rain or shine! 863-534-3431

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