What Types of Business Insurance Should You Consider?

Business Insurance

Business insurance is vital to protecting your business from potential risks and liabilities. Not only can it provide peace of mind to business owners, but it can also help cover expenses in the event of a disaster or legal dispute.

When looking into business insurance, there are many different types that you should consider in addition to worker’s compensation. Here are some of the business insurance that you should consider for your business:

General Liability Insurance

Protects your business if it is sued for negligence or other liability-related claims. This type of insurance covers the cost of legal fees, court costs, and damages that are awarded against your business.

The policy also covers property damage and bodily injury. This type of insurance is especially important if you run a business that handles hazardous materials or has employees who could cause bodily harm to themselves or others.

Professional Liability Insurance

Professional liability insurance, also known as errors and omissions insurance, covers claims arising from professional services provided by your business. This type of insurance can help protect you and your business from claims of negligence, malpractice, and other potential errors.

Product Liability Insurance

Product liability insurance protects you if you’re held liable for the damage or injury caused by a product you manufacture, distribute or sell. It may be used in conjunction with other types of insurance, such as general liability. This type of insurance can cover medical expenses, legal fees, and other costs associated with defending the claim.

Cyber Liability Insurance

Cyber liability insurance covers the cost of a business’s defense in the event of a cyber-attack. It also pays for legal expenses and any damages sustained by the company as a result of the attack. This type of policy is essential for businesses that store sensitive data or conduct transactions online.

Commercial Property Insurance

Whether you’re a small business or a large corporation, commercial property insurance is one of the most important policies you can have. This type of insurance covers the structure of your building and its contents, as well as any other physical items on the premises.

Commercial property insurance protects against losses from fire or other natural disasters, theft, vandalism, and more. It also provides liability coverage in case someone gets hurt on your property or someone sues you for some reason related to your business. While standard commercial property insurance may be enough for some companies, others might need additional coverage for things like storm damage or earthquakes.

Contractors Insurance 

This insurance covers contractors from liability and property damage claims arising from their work on a project. It can also provide coverage for contractors’ materials and equipment to complete the job. Having this type of insurance will be important if you have workers on-site and a contract to complete the job.


By investing in the right business insurance, you can protect your business from potential risks and liabilities. The right insurance policy will also help you to sleep better at night, knowing that you are protected. No business wants to deal with a lawsuit’s financial and legal consequences, so it’s important to have the right coverage.

Talk to a business insurance agency in Fort Myers today to find out what coverage you need. Contact Bassine Insurance to find out how we can help you. We provide various insurance solutions, from personal to business insurance.

5 Practical Advantages of Having a Home Insurance Policy

Home Insurance

Planning ahead for your home is an important part of managing your finances and protecting your family’s future. Having a home insurance policy is an essential part of this preparation, as it can offer a great level of financial protection.

Granted, home insurance policies vary greatly in terms of coverage, so it’s important to shop around and compare quotes to find the right policy for you. Some policies may cover more than others, and it’s a must to understand the difference between the various levels of coverage.

When choosing a home insurance policy, it’s important to consider your individual needs and the potential risks associated with your home. With the right arrangements, you will be able to access several practical advantages like:

1) Cover for the House Structure

Home insurance policies can provide significant financial cover for the building of your house in the event of damage caused by an external event. These external events could include fire, theft, flooding, and other incidents. 

The money can be used for your house structure and any permanent fixtures. This typically includes walls, floors, and ceilings, as well as any permanent fixtures like plumbing, wiring, and other structural elements.

2) Cover for Belongings in the Home

In addition to the cover for the house structure, a home insurance policy can also provide cover for the belongings in the home. This can include furniture, electronics, jewelry, and more that are stored in your house.

The amount of coverage for your belongings depends upon the policy you choose. Some policies may provide an unlimited amount of cover for your belongings, while others may set a limit on how much you can claim for each item.

3) Cover for Third-Party Liabilities

Home insurance policies can also cover any third-party liabilities you may incur on the property. This can include any legal costs or damages that you may be liable for in the event of an accident or injury on your property.

For example, if someone trips and falls on your property, the right home insurance policy may cover the costs of any medical bills or legal fees you may be liable for. However, remember that this can be an expensive add-on cover option.

4) Temporary Accommodation Assistance

One of the most valuable benefits of home insurance is its temporary accommodation assistance. If a home is uninhabitable due to a fire or severe weather event, your home insurance policy can help you pay for alternative accommodation.

For example, if a severe storm causes damage to your roof, it’s quite important that your home needs to be repaired. With luck, your home insurance policy may cover the cost of a hotel or other temporary accommodation until repairs can be made.

5) Credibility for Financing

If you have a mortgage, your lender may need you to hold a home insurance policy. Typically, lenders will require you to have a policy in place for the entire loan term. This is because your home is considered collateral for your mortgage loan.

If your home is damaged or destroyed and you don’t have a home insurance policy, the lender may have the right to demand full repayment of the loan. For this reason, home insurance is essential for protecting your home, family, and financial security.


Home insurance is important to have in case of an unforeseen event, such as a fire, theft, or any other emergency. By planning ahead and having a home insurance policy, you can protect your home and belongings from potential damage or loss.

Trying to look for a home insurance agency in Fort Myers? The Bassine Insurance Agency offers a wide range of insurance products. Get in touch with us today!

The Different Types of Car Insurance Coverage Part 1

Car keys

Car insurance is an important investment for anyone who owns a vehicle. It protects you financially in the event of an accident or other incident in which your car is damaged or stolen. There are many different types of car insurance coverage available, and understanding them can help you choose the right policy for your needs. This article will provide an overview of the most common types of car insurance coverage available and explain the benefits of each.

Types of Automobile Insurance Coverage 

1 – Liability Insurance

Liability insurance is the most basic type of car insurance coverage and is required by law in most states. It covers bodily injury and property damage caused by your car in an accident. It does not cover any damage to your own car.

2 – Collision Insurance

Collision insurance is a type of car insurance that covers the cost of repairing or replacing your car if it’s damaged in an accident. Collision insurance is beneficial for drivers who own an expensive car or who drive in areas with a high risk of accidents.

3 – Comprehensive Insurance 

Having comprehensive car insurance is a great way to protect your vehicle from damage caused by events other than an accident. Comprehensive coverage can cover damage caused by theft, fire, vandalism, and other non-accident-related events.

Comprehensive coverage is particularly important for drivers who live in high-risk areas, such as urban areas with higher crime rates, or areas prone to severe weather. With comprehensive coverage, you can be assured that your car is protected against any unexpected damage.

4 – Uninsured/Underinsured Motorist Coverage

This coverage protects you if you are involved in an accident with a driver who does not have insurance or has inadequate coverage.

5 – Medical Payments Coverage

This coverage pays for medical expenses if you or your passengers are injured in an accident.

6 – Personal Injury Protection

This type of coverage pays for medical expenses and lost wages if you are injured in an accident, regardless of who is at fault.

When it comes to protecting yourself and your family from the financial burden of an accident, Personal Injury Protection (PIP) coverage is an important form of auto insurance. PIP coverage pays for medical expenses and lost wages if you are injured in an accident, regardless of who is at fault. This type of coverage is often referred to as “no-fault” coverage because it pays out regardless of who caused the accident.

7 – Rental Reimbursement Coverage

This coverage pays for the cost of a rental car if your car is damaged or stolen.

8 – Gap Insurance

Gap insurance covers the difference between the amount you owe on your car loan and the actual cash value of your car if it is totaled in an accident.

9 – Custom Parts and Equipment Coverage

This coverage pays for custom parts and equipment added to your car after purchase, such as a stereo system or custom paint job.


Car insurance coverage is an important way to protect yourself and your vehicle. It is important to research and understand the different types of coverage available so you can make an informed decision on what type of coverage best fits your needs. It is important to understand each of these types of coverage and make sure you have the coverage you need.

If you are looking for an auto insurance agency in Fort Myers, come to Bassine Insurance. We are proud to offer a wide range of insurance products that meet your needs. Give us a call today.

5 Types of Car Insurance and Why You Need Them

people discussing

Car insurance is a type of insurance that can help protect you financially if your car is damaged or stolen or you are responsible for an accident causing property damage or bodily injury. Depending on your chosen policy, car insurance can cover part or all of the costs associated with such incidents. Additionally, car insurance is often required by law or by a lender to drive a car. 

There are various types of car insurance available, and it is important to decide how much coverage you need and find the most affordable option. Here are six different types of car insurance so you can choose and customize the coverage you want:

1. Liability Insurance

Car liability insurance provides financial protection for damages you may cause to someone else’s property or person when you are responsible for an accident. This coverage typically covers two types of expenses: bodily injury and property damage. 

Bodily injury coverage pays for medical costs related to injuries or death of another person in an accident for which you are responsible. Property damage coverage pays for repairing or replacing another person’s property damaged due to an incident in which you are at fault. In most places, it is required by law to have a minimum level of liability coverage before you can legally operate a vehicle.

2. Personal Injury Protection

Personal Injury Protection (PIP) is an optional type of insurance that pays for medical expenses, lost wages, and other expenses you may incur if you’re injured in a car accident, regardless of who is at fault. It is not available in all states, but some states require drivers to purchase this coverage. Check with your state’s DMV to find out if PIP is available and if it is required.

3. Medical Payments Coverage

MedPay is an insurance policy covering medical costs from a car accident. It can be purchased in states other than Maine and Wisconsin, where it is required. MedPay pays for the medical bills of you and your passengers but does not cover any other costs, such as lost wages, unlike Personal Injury Protection.

4. Uninsured Motorist Coverage

If you are injured in an accident with another driver who does not have car insurance, uninsured motorist coverage can provide financial protection. This coverage may also apply to property damage in certain states. Furthermore, if you are the victim of a hit-and-run, this coverage will come in handy. 

Depending on where you live, uninsured motorist coverage may be mandatory, and you may want to consider underinsured motorist coverage for added protection. In some states, underinsured motorist coverage is unavailable unless your coverage limits exceed the other driver’s liability limits.

5. Collision Coverage

Collision coverage is an insurance policy that pays to repair or replace your car in the event of an accident, regardless of who is at fault. It covers any damage caused by your car colliding with another object, such as a tree, building, or vehicle. It may also cover damages caused by potholes.


Having car insurance is essential when it comes to driving. It can protect you from damages caused by accidents, theft, vandalism, and other unforeseen events. Depending on your needs, you should choose the type of car insurance that best suits your specific needs. Make sure that you read through the policy carefully and understand the coverage you have chosen so that you can make the best decision for yourself and your car.

Bassine Insurance offers a wide range of insurance products. We have partnered with some of the industry’s largest, most respected auto insurance carriers to provide coverage for cars, motorcycles, motor homes, and recreational vehicles. Through these relationships, we can provide the best combination of price and coverage for all types of customers. We’re happy to meet with you and take the time to ensure you get the right coverage and protection from our auto insurance agency in Fort Myers. Get in touch with us today and let’s talk!