The top-rated disability insurance agent in Gainesville, Florida is Liberty DSI, rated 4.9 stars across 694 reviews. Other highly rated options include Cotton's All Lines Insurance, Inc., Brightway Insurance, The Moffat Agency, Amanda Campbell Agency. This directory lists 20 disability insurance agents serving Gainesville.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Liberty DSI | 5200-B Newberry Rd | (352) 338-0552 |
| 2 | Cotton's All Lines Insurance, Inc. | 1222 NW 16th Ave | (352) 338-1222 |
| 3 | Brightway Insurance, The Moffat Agency | 9127 SW 52nd Ave D-103 | (352) 519-1900 |
| 4 | Amanda Campbell Agency | 1140 NW 76th Blvd | (352) 758-2720 |
| 5 | Acceptance Insurance | 3231 SW 35th Blvd | (352) 534-8030 |
| 6 | Aubrey Rogers Insurance | 2400 NW 6th St | (352) 373-2003 |
| 7 | McGriff-Williams Insurance | 3501 W University Ave | (352) 724-8584 |
| 8 | Ruz Ogra - State Farm Insurance Agent | 3545 SW 34th St Ste D | (352) 240-1779 |
| 9 | Insight Insurance Group | 747 SW 2nd Ave STE 160 | (352) 460-1239 |
| 10 | Hummingbird Insurance Gainesville FL | 9145 SW 49th Pl | (352) 247-8734 |
Liberty DSI serves the Gainesville, Florida area as a disability insurance agent. It assists local professionals and residents in selecting income protection plans tailored to individual occupations. The agency guides clients through policy terms, coverage limitations, and the benefits claims process specific to Florida regulations. Its offerings include short-term disability policies for temporary income replacement and long-term disability plans for extended periods of incapacity.
Cotton's All Lines Insurance, Inc. provides comprehensive disability insurance agent services to clients in the Gainesville, Florida area. Their service approach includes helping individuals assess their need for income protection and guiding them through policy options to fit their circumstances. The firm also offers ongoing maintenance of existing policies, such as reviewing coverage levels and assisting with claim support when necessary. They serve a variety of property types, including single-family homes, apartment complexes, retail spaces, and restaurants.
Brightway Insurance, The Moffat Agency in Gainesville, FL serves local homeowners, small business owners, and property managers seeking disability insurance coverage. The agency helps clients protect their income by offering policies that provide financial support if illness or injury prevents them from working. It guides customers through the process of selecting appropriate coverage tailored to individual needs and employment circumstances. This agency also extends its services to residents and business owners throughout the greater Alachua County area, including the nearby community of Hawthorne.
For individuals needing a single policy evaluation, disability insurance agents offer one-time consultation, while others requiring ongoing adjustments to a coverage portfolio can choose recurring service plans. With access to major insurers serving the Gainesville area, the Amanda Campbell Agency works with clients to select short-term or long-term disability coverage that fits their occupation and income needs. This service operates on a one-time, scheduled, or as-needed basis depending on the client's preferences and future policy review requirements.
In the wake of life changes that reduce work capacity, Gainesville residents often seek the financial protection disability insurance provides. Acceptance Insurance assists local clients in navigating coverage options tailored to individual health and employment situations. Their agents explain policy terms and exclusions clearly, helping applicants understand how benefits relate to income replacement needs. An initial consultation involves reviewing current earnings and occupational duties to determine appropriate benefit periods and elimination periods.
Serving Gainesville, Florida, and the surrounding communities in Alachua County, Aubrey Rogers Insurance handles disability insurance agent services for local residents and professionals. The agency works with clients to understand their specific income protection needs and policy options available in the region. To address a typical job, it takes time to review an individual’s occupation, current coverage gaps, and future financial goals before presenting suitable plan selections tailored to their unique circumstances.
McGriff-Williams Insurance specializes in offering policies that replace a portion of income when illness or injury prevents work. The Gainesville, Florida agency also supports local professionals and self-employed individuals by explaining coverage options and coordinating paperwork. Its general services include evaluating existing policies, clarifying benefit periods and waiting times, and helping clients understand policy exclusions. As the start of the year approaches, many individuals seek its assistance when employer-sponsored benefits change during open enrollment periods.
As the hurricane season in Gainesville often disrupts daily life, securing financial protection becomes a priority for many residents. Ruz Ogra - State Farm Insurance Agent offers disability insurance to safeguard income if a medical condition prevents regular work. This coverage provides essential support during recovery, helping policyholders manage expenses when they cannot perform their job duties. A complimentary initial consultation is available to assess individual coverage needs and review current policies.
Insight Insurance Group operates as a disability insurance agent in Gainesville, Florida, focusing on income protection planning for individuals and business owners. The firm helps clients evaluate policy options that replace lost earnings if injury or illness prevents them from working. Its specialty includes long-term and short-term disability coverage tailored to professional needs. The agency serves commercial sectors such as offices, warehouses, and food service operations, ensuring employees and independent contractors in these environments have access to appropriate disability benefits.
Hummingbird Insurance Gainesville FL provides disability insurance services to residential clients in the local area, helping individuals protect their income against unforeseen health issues. Commercial coverage is also offered for small business owners seeking to safeguard their operations and employees. The company serves clients throughout Gainesville, FL, ensuring access to essential financial protection plans. Regular follow-up appointments between routine visits allow the agent to review policies and address any changes in a client’s circumstances or needs.
What Does a a Disability Insurance Agent in Gainesville Cost?
Disability insurance agents in Florida typically charge a fee based on a percentage of the benefits they recover, often between 20% and 30% of back payments. Some agents charge an hourly rate ranging from $150 to $400 per hour. Costs vary by case complexity and the amount of benefits at stake. This is general information, not insurance advice.
About disability insurance agents in Gainesville
Disability insurance agents in Gainesville Florida help residents file claims and appeal denials for short term and long term disability benefits. Florida law requires agents to be licensed by the state and follow strict rules about disclosure and fiduciary duty. Agents familiar with the local economy can assist workers at UF Health, Santa Fe College, and other major employers in Alachua County.
Frequently Asked Questions
What does a disability insurance agent in Gainesville do?
A disability insurance agent helps you apply for disability benefits and appeals if your claim is denied. They explain policy terms, gather medical evidence, and communicate with the insurance company on your behalf.
How do I choose a disability insurance agent in Gainesville Florida?
Look for an agent licensed in Florida with experience handling disability claims. Ask about their familiarity with policies from major carriers like MetLife or The Standard, and check if they have worked with Gainesville employers.
Are there time limits for filing a disability claim in Florida?
Yes. Florida law does not set a specific deadline for filing an initial claim, but most policies require you to notify the insurer within 30 days of becoming disabled. For appeals, you typically have 180 days from the denial date under ERISA rules.
Disability Insurance Agents in Other Florida Cities
Altamonte Springs · Apopka · Aventura · Belleview · Boca Raton · Bonita Springs · Boynton Beach · Bradenton · Brandon · Cape Coral · Casselberry · Clearwater · Clermont · Coral Gables · Coral Springs