Schneider and Associates Insurance Agencies
Learn more about our agency.
We are an independent insurance agency proud to serve the state of Florida including Newberry, FL, Micco FL, Gainesville, FL, and Jonesville, FL.
Living in Florida comes with its own unique risks, but we’re here to help. Our agents live locally, so they understand the challenges Florida-living can pose. They take the time to get to know you and what’s important to you so that we can find the right coverage at the right price to bring you peace of mind.
Since our founding in 2003, Schneider and Associates Insurance Agencies have worked with one goal in mind: to protect you and everything important to you. Whether you’re looking to insure your home, your family, or your business, we have the right insurance solutions to meet your budget. We work with some of the nation’s top-rated insurance companies to provide you with a variety of options to find the comprehensive coverage you need.
Protecting your family, home, or business doesn’t happen by accident. With Schneider and Associates Insurance Agencies their security is ensured!
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As an independent agency, we are here to help you find the right coverage.
Mobile Home Park Insurance
We specialize in mobile home park owner’s insurance, RV park insurance, and campground insurance throughout the state of Florida. Whether it is a privately owned mobile home park or a mobile home park owned by a homeowner’s association, we have the right insurance policy for you.
“They had my rates lowered and found out that I was paying premiums as if I was not a Florida resident!”Charles Lapersonerie
“Every time I call with a question, I feel I am being represented in a fair, honest manner.”Leonard Cumbridge Jr.
“They always recommend the right insurance plan that is good for you. They are the best!”Betty Martinelli
Real clients. Real reviews. Real coverage.
“I have enjoyed an 11-year relationship with Schneider and Associates. I have referred them to several of my clients because I know they will take care of them in a professional manner.”
– Sandra Nangle
The Advantage of an Independent Agency Working for You
What makes our independent agency different?
- We represent multiple insurance companies.
- We are licensed insurance advisors.
- We are by your side every step of the way.
- We offer a wide variety of insurance solutions.
- We are there for you in your time of need.
What Makes Schneider and Associates Insurance Agencies Special
Here’s what sets us apart when it comes to serving your insurance needs.
We are a local, family-owned agency, so you know you’ll get a personal touch when you work with us.
Clients Come First
We go the extra mile to exceed your expectations, which is why we have over 100 5-star reviews.
Our experienced agents live locally, so they understand the unique challenges you face from Florida-living.
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Get a glimpse of the risks you face and how your insurance can protect what matters most.
Any establishment that sells, serves, or assists in the purchase or use of liquor is open to a liability claim as a consequence of someone getting inebriated to the extent that injuries or property damage result.
If you are in the business of selling or serving alcohol, it is critical that you protect yourself from potential financial losses by obtaining a liquor liability insurance policy. Having the right policy in place could help cover your legal costs, court fees, and any civil or criminal damages stemming from an incident involving liquor.
Providing a valet service is convenient for your guests, but damaging a vehicle or property, or causing injury, is a very real risk associated with offering this service.
Obtain a general liability policy to protect your business from lawsuits by a third party. Be certain that a garagekeepers legal liability policy is also in effect with adequate limits to cover any physical damage to a guest's vehicle or other vehicles on-site. If you are using an independent valet service, obtain a certificate of insurance to verify they have the proper coverage with adequate limits. Also make sure that your business is named as an additional insured under their policy.
In the event of a covered cause of loss, most policies include coverage for the income you cannot collect. What happens if one of your key suppliers, such as your food or beverage distributor, is incapable of supplying you with what you need to keep your business running?
Make sure that your business income insurance includes contingent business income coverage to protect against the loss of potential earnings to your restaurant caused by the inability of a key vendor to provide a component necessary for the completion or execution of your services.
Employment Practice Liability Insurance (EPLI)
On average, it's estimated that three out of five businesses will be sued by their employees. Restaurants, just like any other business, are vulnerable from the pre-hire process through to a possible reduction in workforce. Claims can stem from just about anything, such as someone taking a "joke" the wrong way and being offended.
Coverage to protect you against this risk normally comes as a standalone policy. The right coverage is critical to your risk management process as it protects against discrimination, wrongful termination, sexual harassment, and other employment-related allegations. Typically, the policy will cover your business as well as your directors and officers. Third party coverage is an added option, usually accomplished via a policy endorsement, and addresses claims made by customers or vendors against you from acts committed by employees.
Exterior signs associated with your business are vulnerable to fire, vandalism, and weather. Most commercial property policies offer a sublimit of coverage for signs, but it might not be enough.
Evaluate your sign exposures and determine if your existing commercial property insurance policy provides sufficient coverage. If not, increase the policy limit as required.
Systems Breakdown Insurance
Equipment such as freezers, stoves, dishwashers, and air conditioning units are vital when running a restaurant. If a power surge or mechanical failure results in equipment breakdown, your business can experience expensive repairs and lost income.
Make sure you maintain systems breakdown insurance, including business interruption and spoilage coverage so that you can get your business up and running again without suffering financial setbacks.
As exposed by Superstorm Sandy and other significant weather events in recent years, flooding can occur in almost any location and to any business. Are you protected?
Flood insurance is typically not included in a commercial property insurance policy, but can generally be added by endorsement as long as the property is not in a high risk flood zone. If coverage is excluded from the policy, you should look into the cost to add it. If your property is in a high risk flood zone, you will need to obtain a standalone policy. In either case, it’s important to have coverage.
Just about all businesses rely on technology in some way; it's increasingly used to store sensitive information, such as credit cards, passwords, and social security numbers. However, you're at risk if this information is lost, stolen, or compromised. In fact, you may even be legally obligated to alert those impacted by the breach and possibly pay for any financial loss incurred.
Experiencing a data breach is often not a question of if but when. Securing a cyber liability policy can offer coverage for expenses associated with compliance regarding data breach notification laws, securing legal counsel to advise on incident response, credit monitoring services, and paying for regulatory defense, as well as penalties arising from privacy law violations.
Improvements and Betterments
Most restaurant owners remember to insure their contents, such as tables and chairs, but do not factor in the cost of the improvements they have made when selecting a building or contents limit.
If you have done or are considering a renovation to your restaurant, factor the cost into the building limit if you own the building or contents limit if you lease.
Food Contamination / Spoilage Coverage
A power outage, mechanical failure, or other covered event can cause food to spoil, which then must be discarded.
This coverage will cover the replacement cost of the spoiled food. Most policies include coverage, but you should confirm the limit is sufficient.
Two things a restaurant has easily accessible are food and money. Employees have been known to run scams to pocket money or steal food to take home or give away to friends and family members.
Make sure you have coverage for employee theft. This can help compensate you for some of your financial losses.
Commercial Auto / Hired and Non-Owned Auto Liability
If your restaurant offers food delivery service, whether the drivers are using their own vehicles or those owned by the company, you can be named in a lawsuit as a result of injury or damage caused by them while making a delivery for you.
A business auto insurance policy should be maintained if the vehicles are owned by the company. If employees are using their own vehicles to make deliveries, then hired and non-owned auto liability coverage should be maintained. Both will defend you if you are named in a lawsuit as a result of an employee getting into an accident while making a delivery for you.
Most states require an employer to provide coverage for any injuries your employees experience while on the job, as well as any job-related illnesses.
Maintain workers' compensation insurance to provide benefits to eligible employees; otherwise, you can be penalized for every day that coverage is not maintained, as well as for any benefits an employee would have been eligible for in the event of job-related injury or sickness.
Restaurant Insurance 101
Make sure you cover the unique risks you face with restaurant insurance.
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