8 Flags Insurance Agency

10/30/2025

Who Really Needs Workers’ Comp Insurance in Florida?
Whether you swing a hammer or run an office, Florida law treats workers’ compensation very differently depending on your line of work.

🧰 Non-Construction Businesses
➡️ Businesses with 4 or more employees, full or part-time,
(including owners, corporate officers, and LLC members)
must carry workers’ compensation coverage.
➡️ Owners and officers are automatically considered employees unless they file for and receive an exemption from the state.
➡️ Sole proprietors and partners with no employees are generally not required to carry workers’ comp — but they can elect to cover themselves for added protection.

Even when coverage isn’t required by law, it can still be critical protection. If an employee is injured on the job and no workers’ comp policy is in place, the business owner is personally responsible for all medical expenses, lost wages, and potential legal damages.
In many cases, those claims are resolved in court, where costs can far exceed what an insurance policy would have covered. Carrying workers’ compensation — even when optional — helps protect your business, your income, and your peace of mind.

🧱 Construction Industry
Florida takes construction seriously — and so does the law.
➡️ Every person working in construction must have workers’ comp coverage, even if you’re a one-person operation.
➡️ The only exception: corporate officers or LLC members who own at least 10% of the company can file for an exemption through the Florida Division of Workers’ Compensation.
➡️ Sole proprietors working under their own name cannot exempt themselves — they must carry a policy.

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10/27/2025

🚘 Do You Ever Use Your Personal Car for Work?

If you sometimes drive your car for business — maybe to visit clients, job sites, or make deliveries — your personal auto policy might not cover you during those trips.

That’s where a Business Use Endorsement comes in.
It’s a simple add-on that extends your personal policy to cover limited business use — perfect for realtors, home health workers, and small business owners who use their own car occasionally for work.

👉 If your car is titled to your business, used by employees, or makes regular deliveries, you’ll likely need a commercial auto policy instead.

Not sure which one you need?
We can help!

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08/28/2025

Many in our area are getting a large homeowner’s insurance increase at policy renewal (on average over 100%). Make sure to check your renewal offer from your company when it comes out as some agencies are not notifying their insureds. If escrowed, you especially want to be proactive. Renewal offers come out about 45 days prior to your renewal date. If you want us to take a look at your insurance, we are more than happy too. We are local and continue to service your insurance after the purchase, not sending you off to a call center. Click on this link to get us your information so we can get started. You can sign into your current carrier and we will get your information (preferred) or use the upload your declaration page feature at the bottom of the Entire your credentials screen.
We look forward to earning your business!

8 Flags Insurance Agency has requested that you submit your insurance information.

08/14/2025

There are direct to consumer options available, such as this one. Sometime the premium is less costly and sometime it isn't. Do they explain what you are actually purchasing? Does the policy cover what you think it does? Are they able to offer and explain options allowing you to make a more educated decision on where to place your insurance? We are.
If you are looking for alternatives to what you have, whether you are with a direct writer or somewhere else, click on the link provided by our first comment below or respond to this post and let us know and we will reach out to you.

Months after a burst pipe flooded their condo, a Jacksonville couple is still out of their home, and they blame their insurance company for the delays.

07/07/2025

We now include Geico as one of our carrier partners. To get a home or auto review/quote get your current insurance company log in information and click on this link. https://app.usecanopy.com/c/8-flags-insurance-agency-website

06/18/2025

Want a home or auto quote, but do not want to take the time to gather and put in all the information needed?

If you can log into your current insurance carrier, in most cases, that is really all you need.

Click on the link below and securely provide us the information needed for a review.

8 Flags Insurance Agency has requested that you submit your insurance information.

06/18/2025

In celebration of the Juneteenth Holiday or office will be closed Thursday June 19th and reopen on Friday June 20th. You can go to www.8flags.com and request a quote or service or give us a call. We will be monitoring messages. If you need to file a claim please see your policy information for direction. Enjoy the holiday!

Looking for a highly rated insurance agency in Fernandina Beach, FL? We've got you covered! Start your quotes online in seconds or call us today!

02/19/2025

Looking for auto insurance options? We now write with Geico, among many other great carriers. Give us a call and let us take a look!

02/03/2025

Need to shop your Commerical Auto Insurance due to service or pricing? We write with Geico, Progressive, Kemper and others. Send us your current insurance declarations page, and if not included on the declarations page, your vehicle information, driver's information, description of operations and radius of operations.

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10/07/2024

Here is a link to the Florida Association of Insurance Agents “full company list”with phone numbers for claim reporting. This list is helpful for anyone needing to file a claim with any Florida carrier not just customers of 8 Flags Insurance. Please feel free to pass it along. Make your preparations now for this storm. Stay safe and say a prayer for our State.

05/02/2024

Our office will be closed tomorrow for the start of our local holiday…the Isle of 8 Flags Shrimp Festival. We hope you all have a fun but safe weekend with your family and friends while you get your Pirate on! 🏴‍☠️