Insurance Sales Rep Needed



If you are an ambitious, experienced and self-motivated insurance sales professional with an interest in working with a vibrant, forward thinking company then look no further.

We are an independent insurance agency in Largo seeking a dedicated insurance professional. We offer competitive compensation packages, generous bonus opportunities, comprehensive benefits, professional development, and a culture where work/life balance is encouraged and supported.

Responsibilities include

  • Develop leads, schedule appointments, identify customer needs, and market appropriate products and services.
  • Establish client relationships and follow up with customers, as needed.
  • Provide prompt, accurate, and friendly customer service.
  • Use a customer-focused, needs-based review process to educate customers about insurance options.
  • Maintain a strong work ethic with a total commitment to success each and every day.
  • Build referral relationships outside the office

Skills/Attributes Required

  • Property and Casualty License (440 or 220)
  • Successful track record of meeting sales goals/quotas preferred
  • Ability to intuitively navigate computer programs
  • Must be proficient in Microsoft Office Suite
  • Self-motivated and detail-oriented
  • Excellent communication skills – written, verbal and listening
  • Strong organizational, problem solving, interpersonal and presentation skills
  • Ability to quickly adapt and cope with a changing environment
  • Team player

If you are motivated to succeed and can see yourself in this role, please email your resume to We will follow up with you on the next steps in the interview process.

Insurance, Jobs

What You Need To Know About Homeowners Insurance When You Are Buying A House

Inspections & Discounts

Inspections: Two of the most common inspections required to obtain homeowners insurance are a 4- Point Inspection and a Roof Certification. If the home you are looking at purchasing is over 30 years old more than likely you will be required to get a 4-Point Inspection done. This inspection goes over the condition of the roof, electrical system, plumbing and A/C system and costs anywhere from $65.00 to $100.00. If the home is over 20 years old and has a hip or gable roof (see pictures below) you will need a Roof Certification done to prove that the roof has 3-5 years of useful life left. If the home has a flat roof, the roof certification will be required if the home is over 10 years old. The cost for this inspection can range from $45.00 to $80.00.

Discounts: One of the most common ways to save a lot of money of your homeowners insurance is to have a Wind Mitigation Inspection done. This inspection evaluates how well the home would withstand a wind storm. Here are the main things to look for to see if the home qualifies for wind mitigation discounts:

  • The roof has been replaced since March 2002
  • The home has a hip roof (see pictures below)
  • There are hurricane clips connecting the roof to the walls (look in the attic and see the picture below)

The cost of this inspection can range from $65.00 to $150.00 but it could save you anywhere from $100.00 to $800.00 annually if the home has any of the above features. There are also discounts available if all the openings (doors, window, etc.) have hurricane protection and if the home has an alarm system that is monitored.

Preferred Inspection Company:

Homeworks Inspection Services

1300 N. Betty Ln
Clearwater, FL 33755
Ph: 727-781-0729
Fax: 727-944-4006

Q & A:

When should I start looking for homeowners insurance?

You should start shopping for insurance when you are getting ready to or have made an offer on a house.

When can I purchase the homeowners insurance for my new home?

You can bind your homeowners insurance policy as soon as you have a firm closing date set. If you are escrowing your insurance and taxes the mortgage company will be billed for the premium at closing, if not you will have to make the payment when you bind the policy.

Are the insurance inspections the same as the home inspection?

No, the home inspection you have done before you purchase the home is different than the 4-Point, Roof Certification and Wind Mitigation inspections done for insurance purposes. Some inspection companies do give discounts if you have all the inspections done with them.

Does homeowners insurance cover flood?

No, homeowners insurance does not cover flood. Flood insurance is a separate policy and will be required by your mortgage company if the home is in a flood zone. Check with your insurance agent to see if the house you want to buy is in a flood zone.

To get a PDF version of this guide Click Here.

Insurance, Tips, Valuables/Property Insurance ,

Barbers and Beauticians Professional Liability

Hair and beauty salons offer a range of services. Traditionally they included hair styling, dressing, arching, applying cosmetics, permanent waving, shampooing, tweezing, facials, trimming, tinting, plucking, bleaching and dyeing, manicures, hair tinting, waxing or applying depilatories and pedicures. Currently, such salons offer an even wider array of services that involve a higher level of risk as they cross into the realm of medical and even surgical procedures. Current operations may involve tasks such as:

  • Botox injection
  • Liposuction
  • Medispas
  • Dermabrasion
  • Laser Treatments

These services are accompanied by an equally wide variety of risks. Dealing with customers may result in losses such as scalp injuries, severe damage to hair, burns, cuts, spinal or joint injuries, and scarring. None of these losses are covered by a general liability policy. It is critical to acquire the protection of a barbers and beauticians (or cosmetologists) professional liability policy.

Many traditional services are covered under Florida liability insurance. However, such policies are not standardized. Therefore protection may be significantly different among different insurers. A particular company’s application and policy forms should be carefully read in order to determine what services are covered.

Cosmetologists are required to carry a state license and a minimum amount of training and experience in order to perform their jobs. Barbers and Beautician Professional liability policies require that all insured persons maintain a valid license or certification. Typical coverage includes injuries to persons or to property that is related to the applicable beauty or barbershop operation. There is also coverage for harm connected to application of preparations that are bought at a shop or salon and then are used at customers’ homes. Coverage does NOT apply to preparations made BY the insured.

Barbers and Beauticians professional liability forms don’t protect against losses involving plastic surgery; removal of warts, moles or other growths; use of radiation for the removal of hair; body massage other than facial or scalp massage; sun-tanning treatment or piercing body parts. Though coverage for some services may be added for additional charges.

An insurance professional is the person to talk to when you want to make sure that making the public more beautiful doesn’t include the chance of ugly, uninsured losses. One of our agents can sit down with you and put together the best insurance policy for your Florida salon, barbershop or spa. Call us today at 1-888-721-1949.

Business Insurance , , , ,

8 No-Cook Recipes to Fill You Up and Cool You Down

This summer heat isn’t going away anytime soon and the last thing you probably want to do is stand over a hot stove cooking dinner after a long day at work. That’s why we’ve rounded some super tasty, no-cook recipes that will fill you and cool you down this summer. Just click on the photos to get the recipes.

Creamy Shrimp Rolls

This recipe from Real Simple magazine takes less than 10 minutes to put together. You can buy the shrimp pre-cooked at your local grocery store. Get them frozen or ask the Seafood Dept. manager to steam some up for you.

Gazpacho with Goat Cheese

This recipe is also from Real Simple. It takes about 20 minutes to make, but your food processor will do most of the work. You’re going to love this cold soup on a hot day!

White Bean Salad with Zucchini & Parmesan

This hearty and refreshing salad by Martha Stewart would make an excellent lunch or side for dinner. We love that it can put together in about 5 minutes!

Refrigerator Oatmeal

If you’ve been on Pinterest at all, you’ve no doubt seen Monica’s (at The Yummy Life blog) recipe for no-cook, grab-n-go oatmeal using Chia Seed. She has at least a dozen delicious flavors to choose from.

Cowboy Caviar

Call me a cowboy! I love black beans, corn, avocado and salsa! We found this winning recipe on

Caprese Pesto Sandwich

Make sure you start with some really good bread when you make this sandwich. Pesto is pretty easy to make, but you can also buy it in a jar. Check out Mazzaro’s Italian Market in St. Pete for both.

Turkey Avocado Roll-Up

This recipe comes from Vicky, at These roll-ups are not only delicious, but they’re easy to make and healthy!

No-Cook, Egg-Free Peanut Butter Cup Ice Cream

This no-cook ice cream by Carla, at Chocolate Moosey, is a cinch to make. Just the ingredients into a blender, freeze and add in some chopped peanut butter cups. This would be the perfect ending to a no-cook dinner!

If you have any no-cook summer recipes that you’d like to share, please leave us a link in a comment below or share it on our Facebook page.

Food , , ,

Pinellas County Farmers Market Round-up

It seems like every time we turn around there’s a new farmers market popping up in Pinellas County. Hitting the market is a great way to support local, independent businesses and get the freshest produce, meat and prepared foods, like empanadas, crepes, pies, gourmet popsicles, fresh baked breads and pastas of all shapes and sizes. You’ll also find many handmade goodies, like jewelry, bags, garden decor and skin care products.

One of our favorite market vendors, Maggie on the Move, a food truck serving up mediterranean food with a twist, at the Saturday Morning Market and other venues. We’re proud to be Maggie’s Florida commercial auto insurance provider and protect her red truck wherever it goes. To keep up with her treats and travels, like the Maggie on the Move Facebook page.

Most people in Tampa Bay have heard of the Saturday Morning Market, the largest one-day-a-week market in the southeast United States. The full-size reopens October 6th, but the smaller Williams Park Market is open through August 25th.

However, there are many other markets offering fantastic goods and service through out Pinellas County the rest of the week. Here’s a list of some of our favorite markets.

  1. Gulfport Tuesday Fresh Market: Open Tuesdays 9am-3pm on Beach Blvd in Gulfport.
  2. EDGE District Farmer’s Market: Open Wednesdays and Sundays 9am-1pm at 1000 Central Avenue in downtown St. Petersburg.
  3. Azalea Community Fresh Market: Open Saturdays 9am-2pmat the Azalea Recreation Center, 1600 72nd Street N in St. Petersburg.
  4. St. Pete Indie Market: Open 1st Saturday of every month 12pm-6pm on the 600 Block of St. Petersburg.
  5. Largo’s Open Air Market: Reopens on Sept. 22nd, Saturdays 9am-2pm at the Largo Community Center, 400 Alternate Keene Rd
  6. Summer Time Farmer’s Market: Open Saturday Aug 18th and Sept 22nd 9am-1:30pm at John Wilson Park, 401 Main Street in Safety Harbor


Events & Activities, Shopping , , , ,

When your Florida home is flooded…


Every summer, Floridians expect afternoon showers nearly everyday, but they’re often harmless. Then there are the days that the skies open up and the rain pours out until our streets better navigated by boats than cars. We saw this recently when Tropical Storm Debby ravaged Pass-A-Grille and other local beaches.

So many Pinellas County businesses and homes were flooded. Storms like Debby remind us how important Flood Insurance is. Before your home of business is damaged by a flood, make sure you purchase Florida flood insurance and know what to when it’s time to make a claim.

Often times homeowners think they need to leave their homes in the condition the flood left behind until an insurance adjuster can inspect the damage. This is not true. Here’s a short video by Patrons Insurance Agency owner, Tim McGuire, explaining what to do before you make a flood insurance claim.

Now that you know what to do after the flood and before the insurance adjuster arrives, here’s how you can save your weather damaged documents and photos.

If you’re not sure if your home requires flood insurance, please call us at 1-888-721-1949. We can tell you what flood zone you’re in and give you a free quote.

Nature and Weather, Valuables/Property Insurance , , ,

Avoid a Moldy Home

Most homeowners recognize the importance having snug, dry home. Now there’s a reason to put more emphasis on keeping it dry….toxic or black mold. A certain form of mold, called Stachybotrys (pronounced stakki-botris), continues to be issue in many homes and in courtrooms as persons suffering from infestation attempt to get insurance coverage.

Many types of mold are found indoors and can grow on nearly any type of damp or wet surface including wood floors, carpeting, tiles, drywall, paneling, insulation, etc. The only conditions necessary for its formation is moisture, food (organic material) and time. Besides mold’s ability to physically damage a home (staining, warping, deterioration), mold spores can become airborne, making people susceptible to developing allergic or respiratory symptoms.

Research has attributed some significant health problems caused by extended exposure to mold. In 2004, the Institute of Medicine reported that, even in healthy persons, the presence of mold can affect respiratory health. Persons most affected by indoor mold are those who already have a higher level of sensitivity such as persons with allergies.

Damage to a home or its occupants that is caused by mold is typically excluded. Florida home insurance policies are designed to handle accidental causes of loss and items such as mold infestation, rusting and rotting are seen as home maintenance issues. However, in one notorious court case, a family in Texas was awarded several million dollars because its insurer allegedly mishandled a loss, creating a condition that allowed the growth and spread of toxic mold.

Rather than be concerned over the possibility of insurance coverage, prevention is the best course of action. Inspect in and around your home, looking for indications of moisture. Correct any conditions that could cause moisture build-up such as leaky roofs or plumbing, condensation, leaking appliances, etc. Since there are many concealed areas in a home that are capable of harboring mold, an inspection may be prudent. There are many services available for both professional inspection and, if needed, remediation.

Keep your home snug and dry and avoid a moldy problem.

Health, Valuables/Property Insurance , , ,

7 Theme Parks Where Florida Residents Save Big

One of Florida’s greatest industries is definitely Tourism. Central Florida is packed with multiple theme parks and attractions. Did you know that many of these places offer special discounts for Florida residents? We’ve rounded a few of these deals just for you.

  1. Save more than $30/day on tickets to Disney. Find this offer and many more HERE.
  2. Save $20 on a Annual Premium Pass for Legoland Florida. Visit Florida Smart Travel Insider, Dalia Colon says the best place to buy discounted Legoland tickets is Polk Outpost 27.
  3. Now through September 30th you can buy one ticket and get one free at Fantasy of Flight in Polk City. Great Explorations members save 50% on admission year round with their card.
  4. Residents can save on Sea World Orland admission buy purchasing a Fun Pass. View this offer and more HERE.
  5. You can also get a Fun Pass for Busch Gardens HERE.
  6. Save over $35 off gate prices on select multi-day tickets for Universal Studios. You can also save on annual passes. See all the Florida Resident offers HERE.
  7. Florida residents save $15.99 on adult admissions & $8.99 on child admissions to Wet N Wild in Orlando. Go HERE to see this offer and more.

If you plan on hitting the road this summer to visit these fabulous Florida attractions, make sure you let us check over your FL car insurance policy first. We can make sure you’re getting the best coverage at the best possible price. And don’t forget to use one of our favorite apps, GasBuddy, to save even more money on your next trip.

If you know of any other special discounts for Florida residents or have some travel tips for us, please share them here or on our Facebook page.

Events & Activities , ,

Vacancy Provision & Florida Commercial Property Insurance

Under a Florida commercial property policy, coverage is often significantly different for buildings that are vacant for extended periods. Usually, certain types of coverage are completely eliminated during the vacancy. Insurance companies are interested in protecting ongoing businesses and premiums are based upon active occupancy. Continued, full coverage may be provided, but that is only at the insurance company’s discretion and it usually means paying more premium after getting the insurer’s acceptance of the increased risk.


Before any restrictions can be imposed, the insurance company must define exactly what they mean by vacancy and the definition is affected by the type of occupancy:

Tenant – When the insured is a tenant and the policy covers that insured’s property interest, the definition of building is the unit or suite that has been rented or leased to the tenant. That building is considered vacant when it no longer contains enough business personal property to conduct the customary operations of the insured tenant.

Building Owner Or General Lessee – When the insured is a building owner or general lessee, building is defined as the entire building. The building is considered vacant UNLESS a specified percentage of the TOTAL square footage is rented to a lessee or sub-lessee and used by the lessee or sub-lessee to conduct its customary operations OR is used by the building owner to conduct customary operations.

Buildings Under Construction – Buildings that are under construction or renovation are not considered to be vacant.

Vacancy Provisions

Now that vacancy has been defined, the vacancy condition can be stated. If the building where loss or damage occurs has been vacant (see definition above) for more than 60 consecutive days before the loss:

  • the insurance company will pay NOTHING if the loss was caused by vandalism, sprinkler leakage, glass breakage, water damage, or theft (including damage from attempted theft).
  • the insurance company will reduce any loss amount by 15% if the claim is due to any Covered Cause of Loss not listed above.

Vacancy Permit

When vacancy does occur, many Florida companies, for an additional premium, will add a provision (sometimes called a Vacancy Permit). This form changes the policy wording so that it provides coverage for the property during specific time periods that it is vacant.

Business, Insurance , ,

Florida Pool Safety Tips

It’s getting hotter and hotter here in sunny Florida and more and more swimming in their backyards. Pools are a wonderful way to cool down in the summertime, but if you have children at home, make sure that you provide a safe environment for them. More children under 5 years old die from drowning in Florida than any other state.

Here are some way that you can keep your little ones safe.

  • Provide your child with swimming lessons from a professional, either one on one or in small groups. Find Pinellas County swim lesson locations near you.
  • Add five layers of pool safety in your home to keep children out of the pool until you take them for a swim. Then get a FREE home safety check.
  • Parents and Caregivers should know how to perform CPR and basic first aid in case of emergency. You can look for classes here.
  • NEVER leave a child unattended in a pool or spa and always watch your child when he/she is in or near water. Do not assume that someone else will watch your child because there are multiple adults present.
  • Keep children away from pool drains, pipes and other openings to avoid entrapment.
  • Have a cell phone or telephone close by when you or your family is using a pool or spa.
  • Put away pool toys when you’re done using them. Toys left in the pool can attract children and they could fall in while trying to reach for them.
  • Never run around the pool. It can very slippery and you could easily fall in.
  • Teach your kids about Pool Safety. These online games can help them learn about what’s safe and what isn’t around pools and spas.



Safety , , ,