The top-rated disability insurance agent in St. Petersburg, Florida is Quikaid - The Disability Experts, rated 4.6 stars across 2,482 reviews. Other highly rated options include Florida All Risk Insurance, Freedom Insurance Services, Insurance Resources. This directory lists 28 disability insurance agents serving St. Petersburg.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Quikaid - The Disability Experts | 888 Executive Center Dr W Suite 100 | (888) 212-9657 |
| 2 | Florida All Risk Insurance | 7024 Central Ave | (888) 880-9200 |
| 3 | Freedom Insurance Services | 5980 66th St N unit k | (727) 546-5600 |
| 4 | Insurance Resources | 6620 1st Ave S | (727) 345-0242 |
| 5 | Gulf Coast Insurance Services | 5429 Central Ave | (727) 317-5799 |
| 6 | Veritas Insurance Group, Inc. | 742 2nd Ave S | (866) 808-3344 |
| 7 | Melissa Ems Insurance Agency | 3446 49th Street N | (727) 321-9828 |
| 8 | Health Insurance With Armonn | 9620 Executive Center Dr N | (323) 898-6748 |
| 9 | Moore Insurance Options | 330 5th St N | (727) 677-8040 |
| 10 | Comegys Insurance Agency | 1 Beach Dr SE Suite 230 | (727) 521-2100 |
Quikaid - The Disability Experts serves the St. Petersburg, Florida metro area and surrounding Pinellas County as a dedicated disability insurance agency. The company focuses on helping individuals and business owners secure income protection against unexpected illness or injury. This work includes assessing a client’s occupation and financial situation to recommend appropriate disability income policies. In this region, Quikaid handles both short-term and long-term disability coverage for local professionals and self-employed residents.
Florida All Risk Insurance in St. Petersburg, Florida, offers comprehensive disability insurance agent services for individuals and businesses in the local area. Its plans help protect against loss of income due to illness or injury, ensuring financial stability for clients when they are unable to work. The agency provides ongoing policy maintenance, including claims support and periodic coverage reviews to adapt to changing needs. It assists with single-family homes, apartments, retail establishments, and restaurants, tailoring disability solutions to diverse residential and commercial property owners and their employees.
Freedom Insurance Services serves homeowners, businesses, and self-employed professionals in St. Petersburg, Florida, helping them obtain disability insurance to protect their income in case of injury or illness. They guide clients through policy options that cover a portion of lost earnings during a recovery period. Their services include evaluating individual needs and assisting with applications. The company also extends its coverage guidance to clients throughout the Tampa Bay metro area, including nearby Clearwater.
Insurance Resources serves St. Petersburg, Florida, and the surrounding Tampa Bay communities, advising individuals and small business owners on disability income protection. It handles both short-term and long-term disability insurance policies, focusing on replacing lost wages due to illness or injury. The agency typically begins each case by evaluating a client’s occupation, income level, and existing coverage to identify potential gaps. Using this assessment, it then compares policy options from multiple carriers to match the client’s specific needs and budget.
Gulf Coast Insurance Services in St. Petersburg, FL, distinguishes between a one-time policy purchase for immediate income protection and recurring service options that adjust coverage as a client's earnings or health needs change. The agency advises on plans that replace a portion of lost wages if illness or injury prevents work. These plans can be tailored for self-employed professionals or employees. Service arrangements run on a one-time basis for the initial policy setup, with scheduled reviews offered annually to reassess coverage levels.
As Florida residents enter the busy hurricane season, protecting one’s income becomes a pressing concern for many workers in the St. Petersburg area. Veritas Insurance Group, Inc. addresses this need by acting as a disability insurance agent, helping clients explore coverage options tailored to their specific professions and health circumstances. The company focuses on explaining how disability benefits replace lost wages during a qualifying illness or injury. An initial assessment of a client's current income sources and risk factors is scheduled to determine suitable policy parameters.
Melissa Ems Insurance Agency provides specialized disability insurance services for residents of St. Petersburg, Florida. The agency assists clients in securing income protection policies and navigates the complexities of short-term and long-term disability coverage. Disability insurance agents in this area typically guide individuals through plan options and help evaluate waiting periods and benefit amounts. For clients facing retirement within five years, the agency also helps ensure disability coverage transitions effectively alongside existing savings and retirement income strategies.
Health Insurance With Armonn serves the St. Petersburg area with residential disability insurance, helping individuals secure income protection for ordinary injuries or illnesses that prevent work. Commercial coverage is also available for local small businesses and self-employed professionals who need to safeguard their earnings against disability. The agency’s work extends throughout the surrounding communities, ensuring clients have support between regular policy reviews or life changes that require a follow-up discussion or an updated plan.
Moore Insurance Options is a disability insurance agent located in St. Petersburg, Florida, known for helping individuals protect their income against unexpected illness or injury. The company serves local professionals and small business owners across the Tampa Bay area, offering policy comparisons and enrollment assistance. Clients can receive guidance on short-term and long-term disability plans tailored to different occupations. A specialty service it provides is helping independent contractors customize coverage that aligns with their variable earnings and self-employment tax structure.
Comegys Insurance Agency provides disability insurance solutions to individuals and businesses in St. Petersburg, Florida. Their work centers on helping clients secure income protection plans that offer financial stability in the event of illness or injury. They also address the unique requirements of varied commercial environments by tailoring coverage structures to different operational risks. The agency can assist professionals and employees in offices, warehouses, and food service sectors with policies designed for their distinct workplace conditions.
What Does a a Disability Insurance Agent in St. Petersburg Cost?
Disability insurance agents in Florida typically earn a commission from the insurance company. You do not pay the agent directly. Premiums for individual disability policies in St. Petersburg range from 1 percent to 3 percent of your annual income. Costs vary based on age health occupation and benefit amount. This is general information not insurance advice.
About disability insurance agents in St. Petersburg
A disability insurance agent in St. Petersburg Florida helps individuals and businesses secure income protection policies. Florida law requires agents to be licensed by the state and follow specific disclosure rules. Working with a local agent can simplify understanding policy terms and filing claims.
Frequently Asked Questions
What does a disability insurance agent in St. Petersburg do?
An agent helps you compare disability insurance policies from different carriers. They explain coverage options and assist with the application process. In Florida agents must hold a valid 2-15 or 2-18 license.
How is Florida law different for disability insurance claims?
Florida does not have a specific time limit to file a disability claim under private policies. However most policies require notice within 30 days and proof of loss within 90 days. An agent can help you understand these deadlines.
Can a disability insurance agent help with an appeal?
Yes many agents assist with gathering medical records and submitting appeal letters. However they cannot give legal advice. For complex denials you may need a lawyer familiar with Florida insurance law.
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