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Since the devastating impact of Florida Hurricanes Andrew, Frances and Jeanne, the homeowners insurance market in Florida has been a challenging environment. Many insurance companies have left the state or refused to entertain any new business in the area. The McCall Agency, Inc. is proud to be one of the few agencies that has not only retained access to homeowners insurance solutions, but has actually increased the number and quality of carriers available to its clients.

AUTO
Operating a vehicle presents one of the greatest areas of potential personal loss. Physical damage to your vehicle, bodily injury to you or your passengers, liability arising out of damages for bodily injury or property damage for which you are legally responsible can all come into play as a result of an automobile accident. The McCall Agency, Inc. offers a wide array of car insurance companies that help protect your personal assets from this most frequent area of financial loss.
Please contact the McCall Agency, Inc. for a thorough analysis of your individual insurance needs.

UMBRELLA LIABILITY
The possibility of a large personal financial loss typically focuses on exposure to liability - property damage or bodily injury for which you are found legally responsible. Auto, homeowners and boat insurance policies normally provide limited liability protection, and are often inadequate to cover judgments frequently awarded in today's legal environment. Please contact us for a thorough analysis of your individual insurance needs.

FAMILY RISK MANAGEMENT
We offer a depth of resources to address the complex needs of our more affluent clients. If you have multiple home locations, luxury automobiles, art and antiquities collections, yachts or family offices, we can arrange international, customized coverage programs for you. Our dedicated Family Risk Management specialists design programs that consider, for example, the fine craftsmanship of your home. Our programs include replacement cost coverage for home and contents, automobile coverages with agreed value, and high limits on your personal umbrella policy. Please contact us for a thorough analysis of your family risk management needs.

COLLECTIONS
Private Collections Insurance provides protection for items that are not covered by standard homeowners insurance. Coverage for jewelry, antiques, artwork, silverware, furs, and other high-ticket household items is provided.

WATERCRAFT
Insuring personal boats and yachts of all sizes and performance ratings has been an important service provided by The McCall Agency, Inc. for many years. Using respected companies such as SAFECO and ACE, we offer the highest quality coverage, swift, professional claims service and the most competitive rates in the industry.

BASIC / EXCESS FLOOD
In Florida, flood damage due to heavy rains or tidal surges is a potential cause of significant loss. The McCall Agency represents several companies that administer the National Flood Insurance Program.

Additionally, McCall Agency Insurance offers highly rated carriers that provide Excess Flood coverage for higher value properties. Contact a McCall Agency agent today for details on both of these important coverages.

 

BUSINESS AUTO
Commercial automobile, truck or fleet insurance is specially designed coverage tailored to the specific needs of the business transportation community. From the one-vehicle business to the 100-vehicle long haul trucking fleet, The McCall Agency has the experience and insurance carriers to meet your needs.

WORKER'S COMPENSATION
Workers Compensation is State mandated protection that provides benefits to employees for any injury or contracted disease and the resulting loss of work arising out of and in the course of employment. In many businesses, the costs associated with Workers Compensation can be critical to the success and profitability of the company. Working to achieve low experience modifiers, controlling claims and finding the most competitive programs available are essential to maintaining your competitive edge in the business environment. Call The McCall Agency, Inc. today and find out how you might save money on your Workers Compensation coverage.

GENERAL LIABILITY
General Liability coverage is a category of insurance which includes most of a business' liability exposures, including premises and operations, products and completed operations, contractual liability and contingent liability. General Liability insurance is the foundation upon which all liability coverages are built. It embraces business liability hazards other than those dealt with by more specialized forms of coverage, such as automobile, aviation, marine, professional and workers compensation. Every business, regardless of size, needs to be certain this fundamental and critically important coverage is adequate for its needs. At The McCall Agency, we represent dozens of General Liability carriers, each with unique strengths.

UMBRELLA LIABILITY
Umbrella insurance is a form of liability coverage that protects policyholders against claims in excess of the limits of the primary liability policies associated with their automobiles, homes, boats and other properties. The chances for large personal financial loss are focused primarily in the area of liability: property damage or bodily injury for which you are found legally responsible. Most auto, homeowners and boat policies provide limited protection in this area and are often inadequate to cover the judgments awarded by today's courts in the case of serious injury.

CRIME AND FIDELITY
Crime and Fidelity insurance protects an employer against acts of employee dishonesty such as theft or embezzlement. Workplace criminal schemes can last for years and cost an organization dearly. Our crime and financial fidelity insurance products cover a wide range of exposures, including employee dishonesty, forgery, theft, destruction and disappearance of property, and even cyber crime.

DIRECTORS AND OFFICERS
Directors & Officers insurance provides protection and legal defense for Directors, Officers and certain other individuals associated with an organization that may be found legally liable for damages resulting from work related actions. Though most often used for publicly held companies and non-profit boards of directors, this coverage can also be important for many private firms. In fact, Directors & Officers coverage deserves careful consideration by every private or public board of directors in America. Serving on a board should be a responsibility, an honor and a privilege, not an exposure to personal financial loss. If you currently serve on a board of directors, please call The McCall Agency, Inc. today for a thorough assessment of your potential risks and appropriate coverages.

EXCESS AND SURPLUS LINES
Excess and surplus lines insurance is a segment of the insurance market that allows consumers to buy property and casualty insurance through the state regulated insurance market, where policyholders, agents, brokers and insurance companies all have the ability to design specific insurance coverages and negotiate pricing based on the risks to be secured.

The E&S originated when those who needed insurance coverage were unable to secure it from the standard carriers (or admitted carriers) due to a variety of reasons (e.g., new entity or one that does not have a adequate loss history; one that has unique coverage requirements; or a loss record that does not fit the underwriting requirements of a standard carrier). The E&S industry is comprised of a variety of insurance companies writing what is referred to as "main street" business. The general contractor, trucking company, restaurant, bar or hotel, entities with environmental, professional liability and employment related risks and other unique exposures, are the staples of the business. If you currently serve on a board of directors, please call The McCall Agency, Inc. today for a thorough assessment of your potential risks and appropriate coverages.

 

INDIVIDUAL LIFE AND HEALTH
Life insurance may be one of the most important purchases you'll ever make. In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children's education, protect your spouse's retirement plans, and much more. We can help you gain a better understanding of life insurance and its role within a sound financial plan, and answer many of your questions.

If you’ve ever been sick or injured, you know how important it is to have health insurance coverage. Health insurance pays for things big and small, from a lab test that might cost $75 to a hospital stay for major surgery that could cost thousands of dollars. It gives you peace of mind of knowing that no matter what kind of care or procedure you or a family member might require, you won’t have to worry about shouldering the cost on your own. If you currently serve on a board of directors, please call The McCall Agency, Inc. today for a thorough assessment of your potential risks and appropriate coverages.

INDIVIDUAL DISABILITY
Your income is your most valuable asset. Protecting your income allows you to continue to enjoy what it pays for - your home, your cars, your food, college and vacations - from now until the day you retire. Individual disability income insurance is the protection you need to help you maintain your lifestyle and protect your family's future if you become too sick or hurt to work. Call The McCall Agency, Inc. today and find out how you can protect you and your family with Disability Insurance.

LONG TERM CARE
Long Term Care includes a wide range of medical and support services for people with a degenerative condition (e.g. Parkinson's, stroke, etc.), a prolonged illness (cancer) or cognitive disorder (Alzheimer's). Long Term Care is not necessarily medical care but rather "custodial care." Custodial care involves providing an individual assistance with activities of daily living or supervision of someone who is cognitively impaired.

GROUP LIFE AND HEALTH
We provide group insurance products to unions, jointly managed trust funds, organized employers and supplemental voluntary insurance programs. These products help labor to create, protect or enhance plans they provide to members and their families. Call The McCall Agency, Inc. today to find out more about our Group Life and Health Insurance.

ANCILLARY BENEFITS
Ancillary Insurance products are a great way to enhance employee benefits, regardless of the type of business. Employees find significant value in these popular products and are often accustomed to receiving such benefits from a previous employer. While often these products are voluntary and paid completely by the employee, they provide significant value to your employees. Since these premiums are paid with pre-tax dollars, your organization often saves FICA taxes when an employee purchases these products. This provides value for both the employee and the organization.

SECTION 125
The Section 125 Plan provides tax savings by reducing employee medical premiums from gross salary prior to calculation of federal income and Social Security taxes, as allowed under Internal Revenue Code (IRC) Section 125. The Section 125 Plan reduction does not reduce the salary on which your maximum deferral limit for the Voluntary Investment Program is calculated. The reduction does, however, lower the salary on which both Social Security and unemployment benefits are calculated. While the actual impact on the benefit calculation is typically very minor, if you are concerned and you are close to beginning a Social Security benefit, you may wish to consider waiving the Section 125 Plan for your medical premiums. They would then be taken as an after-tax deduction. Contact Social Security for more about how your Social Security income is calculated.

HSA, HRA, FSAs
HSA is a Health Savings Account. With an HSA, traditionally money may be taken from your paycheck before taxes or you can open up an individual HSA account and contribute money on your own. Your employer or a family member can also contribute to your HSA. To qualify for an HSA you must be a member of a "high-deductible health plan." This means that your plan — in many cases a PPO — requires that you pay a certain amount of money up front before your plan coverage kicks in. The great news is that your HSA funds can be used to pay for this deductible. You can also use this money into the future — letting you save for medical expenses down the road. So, even if you chicken out on your LASIK eye surgery, you don't lose that money. Call The McCall Agency, Inc. about the savings opportunities and tax advantages an HSA could provide for you.

An HRA is an account offered to employees or retirees, where you can use the money to pay for deductible and co-insurance amounts, or covered medical expenses. Like an HSA, leftover dollars generally can be used from year-to-year, as long as you continue to be a member of the plan. Also, the money is contributed by your employer and doesn't count as income; saving you valuable tax dollars — complete with Uncle Sam's stamp of approval.

FSA is a Flexible Spending Account. With an FSA, money is taken from your paycheck before taxes (you set the amount) and put into an account. You can then use that money to pay for medical expenses throughout the year. It's important to understand that FSAs have a "use it or lose it" provision — meaning that you must use the dollars in the year in which they are saved or you will lose them at the end of the year.