Employee Benefits / Group Insurance – Retention & Hiring

In a competitive labor market or one where there is a transient and fluctuating labor pool, it may become challenging to hire and retain the personnel your business requires to meet it’s objectives and goals. These objectives and goals may be associated with order and product fulfillment, service obligations and company growth.

Employee Benefits / Group Insurance - Retention & Hiring

Miami – Dade / South Florida Employee Benefits

Offering qualified insurance programs that meet the thresholds of cost effectiveness, feasibility, suitability and value for businesses in the Miami – Dade and South Florida region requires experience and market / product knowledge. Insurance solutions should be part of an overall Employee Benefits Program for the company.

Keeping your employees healthy, happy and productive is a benefit to the on-going success of your business. The value and benefit to your small or large business is the retention of people and the desirability of your business as a place to work within the community. Your business elevates the potential opportunities to hire better, more experienced and more committed company associates – across the spectrum of job descriptions and skill sets.

Miami – Dade / Fort Lauderdale to Palm Beach have continued to see growth that exceeds other regions of the United States. South Florida is an international hub of commerce for Latin America & South America, Mexico, Caribbean & Bahamas and Europe. The region also experiences the influence of Asian commerce as investing and business trade continues to grow.

Group Health Insurance

Group health insurance plans can be an effective way to retain and attract quality personnel that have interest in the stability of home and family – particularly in times of uncertainty.

Minimizing employee turnover and retaining the best possible employees is a goal desired by all businesses. It allows your business to focus on the most important aspects of providing the products and services to your clients and customers.

Group insurance is traditionally a major component of an Employee Benefits program, package, or policy of a company.

Health – Life – Disability Insurance

The right mix of insurance coverage may make all the difference in employee and management retention. Besides health, life and disability, we can discuss other options and coverages that may be of unique need to the types of associates and team members of your organization. Protection – Security – Value

Stay competitive, keep the best, brightest and most effective, increase productivity, and maintain the best value within the course of day-to-day operations, business objectives and growth.

International Employee Benefits

If your business is located overseas (outside the United States) or you are international in scope, the Southeast Insurance Group is there to work with you to develop the right pieces of an employee benefits program. We offer international coverages and underwriting from A1 rated underwriters.

Small Business Insurance – You Need It Miami / Dade – Broward

Whether you are a small business working from a garage, neighborhood store front, or a walk-up office or you are a mid-sized or large company working from an industrial park or leased corporate headquarters, you must have the right business insurance protection.
small business insurance

Coverages and Plans Vary – Get the “Right” Insurance

Insurance must meet your current and anticipated needs. The consquences of a inadequate or no insurance coverage can results in a setback of time and costs – business distruption or at worst, complete business failure.

Insurance Considerations – What You May Cover & Protect

  • Materials, Products & Equipment
    • materials used for production / raw goods
    • computer equipment / office equipment
    • vehicles used for the business
    • machinery used by the business
    • loss prevention
  • Transport and Shipping of Goods and Materials
  • Physical Premises – Property & Casualty – Liability Insurance
    • Renting
    • Leasing
    • Building Owners
    • Temporary Facilities
  • Business Security, Methods & Proceedures
    • Cyber attack
    • Errors & Omissions
    • Technology Coverages
    • Employee Theft & Damages

Small Business Insurance Coverage For Miami / Dade, Broward and South Florida Region

Some Questions You May Ask – Do We Need or Have ….

  • Wind Insurance?
  • Flood Insurance?
  • Fire Protection?
  • Protection from Cyber Criminals?
  • Protection from Theft?
  • Protection from Employee Accidents?
  • Protection from Supply-Chain Interruption & Deliveries

… and when is the last time you have reviewed your policies for suitability.

Contact the small business insurance experts of Miami / Dade & Broward. The Southeast Insurance Group understands the local and international business environment for businesses large and small. We can make a difference.

Medical Payments Coverage vs. Liability Coverage Insurance

Medical Payments Coverage vs. Liability Coverage InsuranceWhen reviewing policy coverage one of the most common questions we get has to do with the difference between liability coverage and medical payments coverage. Medical payments coverage is often misunderstood to be the maximum amount a company will pay out for a medical claim.

Our clients often question whether standard medical payments limits like $5,000 or $10,000 are enough? I’d like to answer that question using the two scenarios that follow.

Imagine yourself in the extremely unfortunate situation of being at fault for a serious boating injury where the injured person makes a bodily injury claim against your liability coverage. Let’s say you carry $300,000 in liability coverage, and the claim comes to $250,000 after hospital expenses, loss of work, rehabilitation costs, etc. Per your liability coverage limits, your insurance company should respond by paying the $250,000 and settling the claim.

Medical Payments Coverage Exists for Smaller Claims

For instance, if a guest trips and fails on your boat and needs a few stitches in his arm, medical payments coverage allows you to pay the hospital bill and submit it to the insurance company for reimbursement up to the limit of your medical payments coverage. The advantage of having this coverage is that your friend or guest does not have to pursue a potentially lengthy liability claim over a relatively small and straightforward expense. This saves time, money, and in rare instances, friendship.

It also saves the insurance carrier time and resources required to investigate and process complex liability claims. Plus, all parties are spared the inconvenience and expense of potential litigation resulting from a claim against your liability coverage.

Put Simply, Medical Payments Coverage Offers a Quicker More Efficient Solution to Deal with Small Medical Claims

Contact the Southeast Insurance Group about your insurance needs & requirements.
Talk to one of our insurance agent specialists – Today! We welcome your interest.


Florida Property & Casualty Insurance – Miami

Small business insurance needs and the multinational insurance needs can both be similar in objectives, but distinctly different in strategy, method and scale.

Property & Casualty Insurance - Business InsuranceAs the small business wants to “protect the roof” over his company’s head and limit the down time in case of an accident or malicious act, so too does the larger corporation or business enterprise need to protect themselves as a going concern – uninterrupted (or limited by choice) by calamity – natural or man-made.

What Are Capital Goods And How Do I Protect My Business?

All businesses should have an objective towards protecting their “capital goods”.  Capitals goods are the physical assets of the company for which it relies and uses to fulfill its obligations in the process of manufacturing, delivering or servicing it’s products & services.

Consumer Goods (Producer Goods) are the resulting assets at the end of the manufacturing & distribution process.  These “goods” also need to be insured – at least up to the point of delivery.

Capital Goods and Consumer Goods of a Business Can be Covered by the Right Property & Casualty Insurance

Florida property and casualty insurance (products & rates) may take into unique consideration, all or part of, the propensity for damages & calamity as a result of :

  • specific location
  • crime in the area
  • type of product or services
  • methods of manufacturing / specific services
  • age and type of facilities
  • own vs lease (or rent)
  • replacement value vs current value
  • quantity and valuation of goods

Unique Florida Insurance Needs

South Florida represents unique insurance challenges for the small and large business alike. As we can prepare an insurance plan for the regional business of Florida and elsewhere, Southeast also provides the global, multinational enterprise the experienced and custom-tailored insurance products they will require.

The Southeast team of professionals welcome the opportunity to review your property & casualty insurance coverage. We will work with the aim of providing the “right” coverage to your business, for cost-effective & maximized insurance protection.

Miami Insurance Specialists – Cultural & Business Diversity

miami insurance specialists The insurance professionals at the Southeast Insurance Group are proud to be full-time residents of Miami and South Florida’s multi-cultured communities.  With primary offices in Miami, and a newly opened Fort Lauderdale insurance office, the company principals and employees are fully adept at the unique insurance challenges and needs of South Florida .

Like the many customers of Southeast Insurance, we work and play in our Florida community. We are also multilingual, having the capability to discuss your insurance needs in at least Spanish, Portuguese, and French languages (Hablamos Espanol, Falamos Portuguese, Nous Parlons Francais).

What makes Miami insurance markets unique?

  •  the diverse, multicultural make up of the community. Miami and S. Florida is one of America’s top “melting-pots” of immigration and nationality – and growing. Southeast is part of the community in which is serves and provides insurance to the people and businesses of Miami with a real-world understanding of it’s challenges.
  • a broad industry business environment. Miami competes globally in tourism, technology, import & export, banking, business services, marine & transport logistics and select manufacturing. providing insurance for multifaceted business climate, requires broad product capabilities and the experience and knowledge to implement.  The Southeast Group has been providing insurance to Miami businesses for over three decades.
  • growth as a Caribbean and South & Central American products & services gateway.  Miami (South Florida) is a major United States import & export, multi-transport hub for ships, air, rail and trucking.  As a gateway to the Caribbean insurance markets and South America insurance markets, The Southeast Insurance Group is able to provide customers with products, services and supporting professionals for the multinational corporation, the corporate key-persons, and the large regional businesses.

Talk to one of the Southeast Insurance Group insurance agents about the insurance needs for your business, commercial enterprise, government agency, and personal property - Today!

We welcome your interest.

Associations and Organizations

Marine Industries Association of South FloridaFlorida Association of Insurance AgentsPropeller Club of Port MiamiGreater Miami Aviation AssociationFort Lauderdale Port Everglades