Fun under The SUN something for everyone! Central Florida Events for May 17-19 brought to you by Sun Insurance Services…

Wave your fingers at your neighbor day with Sun Insurance ServicesCAUTION: Ear Worm Ahead!

Everybody’s working for the weekend…

Look over your shoulder. Can you see it? It’s almost here! Another beautiful spring weekend in Central Florida! The weather promises to be pretty good though a bit on the warm side, so no excuses for not gettin’ about!

  • The Orlando International Fringe Theatre Festival kicked off a couple of days ago but don’t worry, you have plenty of time to experience a 13-day theater festival featuring local and international music, dance, drama and comedy performances, artwork and a host of free outdoor entertainment on the Fringe Lawn, including Kids Fringe events on Saturdays and Sundays and food vendors. May 15th-28th!

  • Grab your beer goggles and head to the 20th Annual Florida International Beer Festival downtown next to the History Center! Sample more than 100 brews from around the world paired with bites from area restaurants during the 20th Annual Florida International Beer Festival at Heritage Square Park in downtown Orlando. The event will also include live entertainment. Pets and strollers aren’t allowed.

  • Every rose has its thorns… Come on! You know this one, sing along! If you are a fan of Poison (the band of course) you won’t want to miss Bret Michaels performing in a FREE concert this Saturday compliments of WMMO. Food, drinks, and rock and roll baby!

  • On my must do list this weekend is the 2013 Mount Dora Blues and Wine Festival. 3 days of wine-ing and singing the blues. Don’t get better than that my friend! Beautiful Bobby Blackmon, Chris Simmons and Royal Blue, Thomas Wynn and the Believers, and much more!

  • WLOQ and the City of Altamonte Springs bring you Jazz Jams the area’s best outdoor concert series. Join us in the Eddie Rose Amphitheater this Saturday night for great music by Jackiem Joyner. There will also be food and your favorite beverage. This is a FREE concert!

  • There are a few good flicks out for sure! I plan on hopping aboard the Starship Enterprise for a little adventure this weekend!

 

Sun Insurance Services is an Orlando Florida based independent insurance agency serving all of the Sunshine state. If we can help you with any of your FL insurance needs, please contact us today!

Wear Purple for Peace Day!

Wear Puple for Peace Day with Sun Insurance ServicesToday is National Wear Purple for Peace Day. Most anyone who knows me would tell you that I don’t need an excuse to flaunt my favorite color or flash my favorite sign. Throw in that purple just happens to be an official color for Sun Insurance Services and you have a no brainer! Now you might think that the force behind National Wear Purple for Peace Day is some peacekeeping/ peacemaking group. The truth is, there is no record of who identified this most worthy day.

My extensive research has revealed that today was established to make the world a more peaceful place to encourage alien species to make contact with earth! A most stellar event!  Apparently there are people in our world that fear aliens from outer space find us earthlings a bit too hostile. This unfortunate perception keeps the extraterrestrials from visiting our great planet. So, someone here on our planet decided to promote world peace by establishing Wear Purple for Peace Day!

So whether you want to meet aliens from another planet or just have another reason to flash purple and promote peace, it’s all good…

Sun Insurance Services is an Orlando Florida based independent insurance agency serving all of the Sunshine state. If we can help you with any of your FL insurance needs, please contact us today!

Business Owners: Are you making some of these common mistakes regarding insurance?

Make no mistake with Sun Insurance Services

Contact Sun Insurance Services today!

A vast majority of organizations do not have the luxury of having a full time or even part time trained risk manager. That is ok, because there may not be a need for the position, and you may rely on outside consultants or agents for help. Over the years we have seen well intentioned buyers of insurance and risk products make decisions that while they may appear to help the organization, actually hurt it in the long run. Here is a list of our top mistakes; we provide it to you in hopes that you can learn from the errors of others. Contact us today for a second opinion on your current business policies or to discuss purchasing new insurance for your Florida business.

1) Thinking that bidding your insurance is the best way to drive costs down

Most insurance buyers have the false belief that getting three bids from three different agents is the best way to make sure they are getting the best “deal”. These buyers treat insurance like a commodity, as if purchasing paper or computers. There are too many holes in this method to mention here, but let’s talk about one big one. When an agent quotes a firm’s business insurance, they often don’t get the (current) full policy document to compare. They end up quoting off a summary or in many cases, not even that. This is like asking a builder to provide a bid without seeing the building plans. Give the agent the full set of “plans,” including losses and premiums, financial data, and policies. Even if this happens, many buyers don’t understand how service and coverage can actually reduce costs. That is because buyers only look at the cost of the insurance. Utilizing the services of the agent and insurance company will lead to reducing short term and long term costs.

2) Failing to use market swings to modify and improve your program

Buyers generally take the premium savings and run. Now we can’t blame them, given the current economic situation. But a real mistake they make is not to leverage the market to enhance coverage and limits. For example, if your premiums year over year went down 2,000 why not consider purchasing Cyber Liability for $900 or Employment Liability for $1,500? (Estimates for this purpose only) You could use part of the savings to increase excess limits, or lower property deductibles for a short period. This increases coverage and reduces out of pocket costs for uninsured exposures.

3) Not utilizing your agent correctly

Many buyers have the false belief that the agent’s only function is to place coverage and administer insurance. Your broker/agent should be offering much more than that. Your broker should be helping you identify these and developing solutions that help you to manage these costs.

4) Failing to secure the right coverage

If you are a privately held company with a board of directors you should have the following coverage as part of your program; Directors & Officers, Employment Liability and Cyber Liability. you still need the second two. Litigation costs from employment liability average over $180,000 according to the latest studies. There are over 25,000 claims made to the EEOC annually.

5) Using a captive agent

With a captive insurance agents, like the big national companies, you only get the guidance of one company that sells one brand of insurance. With an independent insurance agent, you may get as many as five choices or more.

There are a number of benefits to working with and independent agent such as Sun Insurance Services:

• We will work with you to make sure your claim is processed to your satisfaction

• We provide a number of coverage options

• We are not obligated to any one company

• We search the market for the best combination of price and coverage

• Independent agents answer to their clients, not a board of directors in New York

• We are licensed professionals with strong customer and community ties

• Our staff is qualified and trained to explain coverage in understandable language

• We can review coverage and make necessary changes based on your needs

 

Sun Insurance Services is an Orlando Florida based independent insurance agency serving all of the Sunshine state. If we can help you with any of your FL insurance needs, please contact us today!

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Fun under The SUN something for everyone! Central Florida Events for May 10-12 brought to you by Sun Insurance Services…

From Sun Insurance Services!What’s that you hear? It’s the sound of the weekend headed straight for you! We want to wish all you Mom’s out there an early Happy Mother’s Day!  The weather looks to be promising but a little on the warm side. We have provided you with some indoor and outdoor activities so you can have some options! Enjoy the weekend and send us some pictures of your adventures!

  • Mother’s Day celebration at Harry P. Leu Gardens!  FREE Admission for Moms all day, Sunday, May 12, 2013, from 9:00 am to 5:00 pm.  Take a stroll with your Mom through Central Florida’s only botanic garden.  See a kaleidoscope of colors and smell wonderful fragrances in Florida’s largest rose garden. Enjoy this special day with your Mom.
  • Cranes Roost Sunset Cinema Bring your blankets and chairs and enjoy a family friendly movie on the lawn in front of the tower. This free event is produced by St. Stephen Lutheran Church.  Bring the entire family for a fun, free evening together under the stars and enjoy Mirror Mirror starring Julia Roberts, Lily Collins, Armie Hammer and Nathan Lane. Food and beverages will be available for purchase.
  • SAK has added a show just for Mom on Sunday, May 12th at 3:00pm! And to make it even better, Moms get FREE admission! So bring your Mom in for some comedy after lunch or before dinner. It’ll show your Mom that you actually planned something for once in your life.It’s a great way to say “Happy Mother’s Day!
  • Mother’s Day Vintage Fashion Show and Tea at Renninger’s Antique Center. A lovely day filled with flowers, vintage hats, clothing, estate jewelry and other great things.There will be tea and cake served while enjoying current and vintage fashions.
  • Mother’s Day Carillon Concert at Bok Tower Gardens. Free admission will be offered to all mothers in celebration of Mother’s Day. Families are encouraged to give the living bouquet of landscape gardens created by Frederick Law Olmsted Jr. to the special mothers in their lives. Don’t forget to pick up flowers for mom at the plant sale!
  • I have only 2 items on my agenda this weekend. A date with my beach chair and another with Mr. Gatsby…  Something on your must see movie list?

“And so with the sunshine and the great bursts of leaves growing on the trees, just as things grow in fast movies, I had that familiar conviction that life was beginning over again with the summer.” ~ F. Scott Fitzgerald, The Great Gatsby

Sun Insurance Services is an Orlando Florida based independent insurance agency serving all of the Sunshine state. If we can help you with any of your FL insurance needs, please contact us today!

Top 10 Insurance Myths…Busted!

Insurance Myths Busted!There are many insurance myths floating around. Most of them have been around for years. We want to respond to these myths with clear insurance information, so that you can make educated decisions about your insurance purchases. Contact us here at Sun Insurance Services today for advice on a new policy, or a second opinion on any of your existing policies. It’s important to us that you have the proper coverage at a fair price and that you get the level of service you deserve. We revolve around you!

Myth One
Having two agents is better because they keep each other competitive.
Having two agents duplicates effort and can create coverage gaps and/or duplications. For example, there are certain coverage’s that can be included under a liability policy as well as under an auto policy. If you have two agents, who coordinates coverage? One agent is better able to manage your entire insurance program.

Myth Two
The lowest premium is the best option.
Premiums are determined by a combination of exposures and coverage. If you select the lowest premium you may be missing needed coverage. For example, the lower premium may not include replacement cost coverage on buildings and equipment.

Myth Three
Buying from a national company is always better.
Don’t be mislead by entertaining advertising. Most national agents only represent one insurance company. They can’t shop your account to determine the best combination of price and coverage.

Myth Four
The internet is a great place to get good insurance deals.
Low cost internet insurance may allow you to select the coverage and limits you think you need, but in most cases you end up with a limited and inadequate program. Typically, you may only realize these limitations after you have an uninsured claim.

Myth Five
Umbrella insurance is only for high net worth companies or individuals.
A small electrical contractor was at fault for the total loss of a historic property; a loss that exceeded his general liability policy. The contractor’s umbrella policy paid the loss in excess of $7,000,000. Umbrella or excess coverage is some of the least costly insurance you can buy. Don’t risk a big loss for a small expense.

Myth Six
The Medical Payment portion of my FL homeowners insurance will cover injuries to me and my family.
Medical Payments, is a feature of most standard home insurance policies. It is there to protect you in the event that someone other than you or your family (a neighbor, friend, etc) gets hurt on your property?

Myth Seven
All my guns and jewelry are automatically covered in my homeowner’s policy.
There are limits on the amount of coverage you can receive for valuables such as jewelry, guns, furs, etc. For example, most companies put a cap of $1,500 on total jewelry lost during a burglary of your home. If you find that your jewelry is valued over $1,500, you will have to schedule it separately.

Myth Eight
Flood insurance is only for people who live in a high risk area.
The only people who may not need flood insurance are those who live on top of a mountain. Flood and rising water can affect almost everyone.

Myth Nine
I don’t need disability insurance because I can get Social Security.
Don’t count on Social Security to take care of all your needs if you become disabled. If you are able to get Social Security benefits for your disability (not all get approved to receive disability benefits so don’t assume you will) then you will still have to wait months before you receive benefits. Also, your disability needs to be long-term to qualify for these benefits.

Myth Ten
There isn’t anything I can do to manage my insurance costs except shop price.
There are many things you can do to reduce your premiums; here are a few:
• Consider increasing your deductibles
• Maintain good credit
• Consider the vehicle when make a purchase, some are more expensive to insure
• Consider the home when making a purchase also, some are more expensive/difficult to insure
• Add smoke and security alarms to your home or office
• Ask us about the many different discounts offered by our insurers

Sun Insurance Services is an Orlando Florida based independent insurance agency serving all of the Sunshine state. If we can help you with any of your FL insurance needs, please contact us today!

Fun under The SUN…Something for everyone! Central Florida Events for May 2-5 brought to you by Sun Insurance Services

Happy Cinco de Mayo from Sun Insurance Services!  Have fun and be safe...

Happy Cinco de Mayo from Sun Insurance Services! Have fun and be safe…

We’re at the end of the week countdown and heading into the weekend at full speed folks! It’s been a busy week here at Sun Insurance Services as we kicked off our 10th birthday celebration! Looks like a bit of rain in the forecast so have some alternative choices for those plans that require you to be outdoors! Sunday is Cinco de Mayo and we have included a list of places you can go to get your Margarita on in Central FL! You’ll find some other fun stuff in our events list below.

  • Whether you’re a novice or a seasoned scrapbooker Scrapbook EXPO is the place you want to be! The perfect rainy day activity…. Scrapbook EXPO at the Gaylord Palms Resort and Convention Center,  combining Scrapbooking, Paper Crafting and Stamping and offers YOU the crafter the most amazing crafting experience you’ll ever find.

  • The 2nd Annual Broomstick Pony Derby is a day of .131- and .262-mile broomstick pony races and pageantry happening on the afternoon of Kentucky Derby Day at Urban ReThink in Downtown Orlando. Festivities include races, a broomstick pony parade, a raffle, people and ponies dancing in the street to music provided by DJ Si, vendors, and food and drink specials provided by Thornton Park area businesses. Event attendance is free; race registration is $20 per person, or $60 for a team of four.

  • One of my fav Mexican restaurants El Charro Fine Mexican Food in Cocoa is hosting the 2nd Annual Cinco de Critters! a fundraiser to benefit the Central Brevard Humane Society on Wednesday, May 8th, from 5 p.m. to 9 p.m. Event activities will include a “Barkarita” Yappy Hour, and a silent auction. The    Humane Society will receive 15 percent of all proceeds from the evening to help pay for food, shelter and medical care for thousands of homeless animals at the shelter in Cocoa!

  • Join Cocina 214 for Cinco de Mayo weekend for their inaugural Running of the Chihuahuas, Saturday, May 4th at Cocina 214 in Winter Park.  The official running is scheduled to begin at 10:00am. While the Chihuahuas race, their owners will entice them at the finish line with treats or toys.  Meanwhile, the outside bar will serving margaritas, tequila, Corona and Corona Light. All proceeds benefit Winter Park Lost Pets Foundation and Florida Little Dog Rescue.

  • Join the circleTheatre Company at the Orlando REP Edyth Bush Theatre for their performance of Me and My Girl. The story of cheeky Cockney Bill Snibson who unexpectedly finds himself heir to a large estate. But there are strings attached: he has to marry a fit and proper young lady and not his Cockney girlfriend if he is to inherit! Me and My Girl contains a host of hilarious characters, witty one-liners, great dance routines and a musical score that has the audience singing all the way home!

  • I don’t know about you but at the top of my list this weekend is IronMan 3! What will you be seeing?

Cinco de Mayo Celebrations:

Cocina| 214 Mexican Kitchen and Bar Cinco de Mayo 2nd Anniversary Party

Margaritaville at Universal Studios

Latin Corner at Universal Studios

Cinco de Mayo block party at WallStreet Plaza Downtown Orlando

Howl at the Moon

Mexican Restaurants:

Paxia Alta Cocina Mexicana and Tequila Bar

Mucho Tequila and Tacos

Agave Azul

Sun Insurance Services is an Orlando Florida based independent insurance agency serving all of the Sunshine state. If we can help you with any of your FL insurance needs, please contact us today!

 

 

Fun under The SUN…Something for everyone! Central Florida Events for April 26-28 brought to you by Sun Insurance Services

Fun under the Sun...Events in Central Florida with Sun Insurance ServicesIt’s been a busy week at Sun Insurance Services and we are ready for the weekend! We hope your week has been great and that your will be enjoyable! You may already have lots of fun stuff to keep yourself busy but just in case, we put a list together for your consideration! Fun under the SUN… Something for everyone! Be safe and stay on the sunny side of life!

  • Sample an array of vino during Winestock at Cranes Roost Park in Altamonte Springs. The festivities will include unlimited wine and craft beer tastings and live music by Robert Harris and Blender. Food too!!
  • Mad Cow Theatre plays host to jazz, pop, Broadway, comedy, and a few surprises featuring many of Central Florida’s favorite artists during the Orlando Cabaret Festival 2013. The festival starts this weekend and runs through May 12th.
  • Grab your piece of the pie this weekend at the 2013 Great American Pie Festival in Celebration!  You can…. taste pie, decorate pie, make your own pie, compete with pie eating, and enjoy a fabulous time! Make sure you are hungry when you go… the highlight is the Never Ending Pie Buffet!
  • Lake County comes alive with the roar of more than 200,000 bikers from throughout the U.S. during the 2013 Leesburg Bikefest.. The festivities will include live music, a Ms. Bikefest contest, bike show, motorcycle demonstrations, stunt riding, food and vendors. Keep the shiny side up!
  • One of my fav farmers markets…. Eola Sunday Market is a pet-friendly, weekly farmers’ market with crafts, food, jewelry, plants, produce vendors and live entertainment. Enjoy Live music, wine and beer garden, and local art. Leashed pets welcome.
  • I’m feeling like getting into some Mud this weekend… What’s on your must see movie list this weekend?

Sun Insurance Services is an Orlando Florida based independent insurance agency serving all of the Sunshine state. If we can help you with any of your FL insurance needs, please contact us today!

 

Let Sun Insurance Services Give You A Second Opinion For Your Life Insurance Policy!

Life insurance Sun Insurance ServicesHere at Sun Insurance Services we know that you may not think Life Insurance is an exciting topic to talk about, but we want to change your mind! Unfortunately, sometimes out of sight is out of mind and that can be costly when we are discussing life insurance…..

Consider this, do you…

*Have what you need?
*Have what you think you have?
*Have the lowest cost, or highest performing product available to you?
*Know that there are elements of your policy that are subject to change and if left unchecked, your coverage might be in danger of lapse or require significantly more premium than you thought?

Whether you need more or less, is there anything better available?

Have you experienced any of these life events that necessitate a second opinion?

*Marriage/wedding
*Birth/adoption
*Death in the family
*Divorce
*Child starting high school or college
*Change in employment benefits
*Critical illness, injury, or disability
*Job layoff
*Retirement
*Move, relocated, sold home
*Started your own business
*Sold or closed a business
*Significant change in accounts receivable or payable
*Preparing for succession or ownership change

Have external factors affected you?

*Economic conditions
*Fluctuations in fixed interest rates
*Stock market volatility
*Change in income tax or estate code

If you can say yes to any of the above, you need a second opinion for your life insurance!

Unlike a lot of other products and services in the last few years, life insurance has actually gotten cheaper-and better. Due to changing interest rates, the regulatory environment, and mortality rates, today’s products are a lot different than they were even a few years ago. Options in the market today feature longer guarantees, more flexible premiums, and additional features and benefits that were unheard of until recently.

A Second Opinion from Sun Insurance Services will include a three-level approach:

1) Save you money on what you currently have. It is likely you could pay less for your current coverage and get more death benefit for the same cost or possible find longer guarantees.

2) Examine the performance of your existing policy. We will look at your annual statement of a projection from your insurance company to see if your policy is performing to your expectations when you purchased it.

3) Re-evaluate your life insurance needs. Your financial picture changes a little bit everyday. It’s not just the major life events but the smaller events that over time can cause you to drift onto a different course.

How do I proceed with a Second Opinion on my Life Insurance?

First, choose which level fits your situation the best.
Then, contact us today to set up a time to get started and provide us with documentation we will need to consult with you.

What will you need from me?

Most of the information we will need from you can be found in any of these documents:
*Annual statements
*In-force ledgers
*Illustration you were given when you bought the policy.

Sun Insurance Services is an Orlando Florida based independent insurance agency serving all of the Sunshine state. If we can help you with any of your FL insurance needs, please contact us today!

Fun under The SUN…Something for everyone! Central Florida Events for April 19-21

Sun Insurance Services Orlando FLHappy Friday folks! Hopefully you are winding down your week and getting ready for the weekend! It looks like it might be a little rainy this weekend so keep your umbrella handy and stay alert for any significant weather. We’ve included some indoor activities just in case! Earth day is Saturday 4/20 and there are a few celebrations listed below. Enjoy!

  • The friendly skies over Brevard County will play host Saturday, April 20, to the seventh annual Valkaria Air Fest. This year’s all-day event features multiple air shows with world-class champion displays and rides on everything from vintage World War aircraft to hot air balloons, powered paragliders and airboats, to kiddie rides, live music and up-close and hands-on contact with all sorts of flying machines.
  • Theatre Downtown presents a Central Florida premiere of Jeffrey Hatcher’s new mystery Sherlock Holmes and the Adventure of the Suicide Club. In the heart of London, behind the impassive facade of a windowless house, some of Europe’s most powerful men gather to play a game. The game is murder, and this is The Suicide Club. But the club has a new member, Sherlock Holmes: brilliant, brooding, the greatest detective in the world….
  • The annual Florida Music Festival and Conference returns to entertain Central Floridians, April 17th through 20th, 2013. The popular annual event draws bands and fans from all over the state, boasting performances by 200 bands and 25,000 music-hungry fans. The Florida Music Festival is excited to present the most diverse collective of performing artists in our 12 year history.
  • We are headed into what looks to be a promising movie season….Anything you want to see this weekend? Check out what’s playing.

Earth Day Celebrations:

  • Central Florida Earth Day will be celebrated on Saturday, April 20, from 10 a.m. to 6 p.m. at Lake Eola Park, east side.  Organizers of the event, led by Vegetarians of Central Florida, have been presenting Earth Day celebrations since 2006. CF Earth Day is a day of education, celebration, and action for our planet! In the spirit of Earth Day, this event is FREE for the whole family. CF Earth Day is the largest, longest running, and best attended Earth Day event in Central Florida.
  • Celebrate Earth Day in Central Park. The green-living festivities will include educational workshops focused on learning about native landscaping, how to fish and grow organic food, a live performance by The Legendary JCs, a rope course, art displays constructed from recycled materials designed by local organizations and complimentary trees for Winter Park residents with proof of residency.
  • Experience the Mount Dora Earth Day at Donnelly Park. The event will include live music and vendors. Mount Dora Earth Day will showcase the city’s green efforts and how other organizations and individuals are helping to protect our sacred Mother Earth in creative and innovative ways.

Sun Insurance Services is an Orlando Florida independent insurance agency serving all of the Sunshine state. If we can help you with any of your FL insurance needs, please contact us today!