Insurance plays an important role in your personal and professional financial planning. It is an essential tool for risk management and protecting your personal and business investments.
Unfortunately, many people tend to keep their business and personal insurance planning and policies as separate as possible. This is not always the wisest decision. In fact, it is often in your best interest to have one trusted insurance agent review your personal and commercial insurance needs and coverages to make sure you have the right “big picture” insurance protection. These are just a few reasons why.

Better Understanding of Your Whole Risk

You are so much more than the sum of your parts. Many agencies offer “one-size” types of insurance policies that are made to offer broad protection that is incomplete.
For instance, a business owner’s policy (BOP) is something every business needs. However, it offers protection that is basic and quite limited in scope and scale. It is not sufficient to meet all the insurance protection needs a business has.
Depending on the field your business is in, you may need any or all of the following types of coverage (and some that may not be on the list) in addition to your BOP:
  • Professional liability insurance (errors and omissions)
  • Workers’ compensation insurance (essential if you have employees)
  • Product liability insurance
  • Commercial auto insurance or non-owned vehicle insurance (for businesses that employ delivery drivers who use their personal vehicles)
  • Commercial umbrella insurance
  • Equipment breakdown insurance
  • Cyber liability insurance
  • Crime insurance
  • Inland marine insurance
  • Food spoilage insurance (for restaurants and supermarkets)
As you can see, the list of options and add-ons for insurance coverage are extensive and the need for these types of coverage vary by business and industry.
The same comes for personal insurance products as well. When you work with an agent who understands your specific personal and commercial insurance situation, you can get coverage tailored specifically to your needs and concerns that manage all your risks and provide sufficient coverage for you, personally, as well as for your business.

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Niceville Insurance Agency

Niceville Insurance Agency has been proudly serving our local communities since 1995. Our specialty has been delivering insurance solutions for individuals, families, and businesses throughout Northwest Florida. Contact us for a no hassle insurance quote today!

Located in Niceville, FL.

Louis Skinner is the owner of Niceville Insurance and is still an active agent within the office. He has been in the insurance industry since 1993 and started NIA in 1995 specializing in Personal, Commercial and Life insurance. His wealth of knowledge is invaluable to the staff and is well respected in the Niceville community. Louis contributes to community service through his memberships in the Niceville/Valparaiso Chamber of Commerce and First Baptist Church of Niceville. He is a former member and President of the Niceville/Valparaiso Rotary Club. Louis’ time away from work is spent with his wife and son, Kendra and Blake. The family enjoys any type of outside activity, especially hunting, fishing and boating.