Other Insurance
Insurance protects you from the unforeseen incident. It is protection and as a valued client of Jaffe Tilchin Insurance services we want to ensure that you feel protected.
Looking for coverage? Click the following link to submit for quick and affordable quote from one of the many independent insurance carriers we represent.
Disability Insurance
Disability insurance can help protect you and your family from the financial impact of an unexpected injury or illness. If you're unable to work because of a disability, disability insurance can provide you with a source of income to help cover your living expenses.
At our financial services firm, we understand the importance of protecting yourself and your loved ones from the unexpected. That's why we offer a range of disability insurance options to help meet your unique needs. Whether you're self-employed or part of a group plan, we can help you find a policy that works for you.
Our disability insurance policies offer a variety of features and benefits, including:
- Monthly benefit payments to help replace your lost income
- Coverage for both short-term and long-term disabilities
- Customizable options to fit your budget and coverage needs
- The ability to add riders, such as inflation protection or a cost of living adjustment
- The flexibility to use the benefits to cover everyday living expenses, medical bills, or other costs related to your disability.
Don't let a disability leave you struggling to make ends meet. Contact us today to learn more about our disability insurance options and how we can help protect your financial future.
Thank you for your interest in Jaffe Tilchin Insurance Services. If you would like to speak to one of our insurance professionals call our office at 813.960.5293 or toll free at 866.218.7906. You can also email your questions and one of our agents will be happy to answer within one business day.
Helping protect communities in: Carrollwood, Temple Terrace, Lake Magdalene, Brandon, Town n Country, Citrus Park, Northdale, Seffner, Thonotosassa, Riverview, Lutz, Gandy, Westchase, Keystone, Feather Sound, Valrico, Oldsmar, Lutz, Odessa, Clearwater, St. Petersburg, Palm Harbor, Safety Harbor, New Tampa, Tampa Palms
Medical Malpractice Insurance
What is malpractice insurance?
Malpractice insurance, also known as professional liability insurance, covers doctors, nurses, surgeons, dentists and other medical professionals in the event of a malpractice lawsuit. Malpractice is a medical error that has resulted in an adverse outcome, such as injury or death. In a malpractice lawsuit, the error must be proven to have been caused by negligence or a departure from the standard of care. Malpractice insurance compensates legal fees, regardless of fault, and any damages awarded.
With liability lawsuits on the rise in recent years, medical professionals remain at risk. A lawsuit can mean financial ruin both professionally and personally, including the loss of homes, cars and careers. Malpractice insurance protects your practice and can offset the risk and cost of these events.
What types of malpractice insurance are available?
There are two types of malpractice insurance. While they offer coverage for the same risks, the difference is how and when that coverage takes effect.
Occurrence: Covers claims that occur while your policy is active. A claim can be reported at any time, even after the policy’s cancellation. Coverage is available with the terms and conditions in effect at the time of the claimed incident.
Claims-made: Covers claims that both occur and are reported on or after the retroactive date (the first day claims-made coverage begins) and before the policy is cancelled.
Get started today
Thank you for your interest in Jaffe Tilchin Insurance Services. If you would like to speak to one of our insurance professionals call our office at 813.960.5293 or toll free at 866.218.7906. You can also email your questions and one of our agents will be happy to answer within one business day.
Protecting the Medical Communities in: Carrollwood, Temple Terrace, Lake Magdalene, Brandon, Town n Country, Citrus Park, Northdale, Seffner, Thonotosassa, Riverview, Lutz, Gandy, Westchase, Keystone, Feather Sound, Valrico, Oldsmar, Lutz, Odessa, Clearwater, St. Petersburg, Palm Harbor, Safety Harbor, New Tampa, Tampa Palms
Hotel & Resort Insurance
Resort, Hotel, & Club Insurance Services Program
Questions To Ask Your Agent
Who It Covers
- Boutique Hotels
- Full Service Hotels
- Golf Destination Resorts
- Private Resort Communities
- Condo Hotels
- Hotel Management Companies
- Private Country Clubs
- Conference Facilities
- Full Service Salons and Spas
- Private Country Clubs
What It Covers
- Property
- General Liability
- Commercial Auto
- Garage Keepers & Valet
- In Room Safe Protection for Guest Valuables
- Workers Compensation
- Liquor Liability
- Directors & Officers
- Professional Liability
- Pollution Liability
- Umbrella Liability
- Payroll Needs
- PEO Options
Features
- Access to Multiple Insurance Companies
- Enhanced Coverage Forms
- International Capabilities
- Ability to Handle Multiple Locations
- Claims Management Services
Thank you for your interest in Jaffe Tilchin Insurance Services. If you would like to speak to one of our insurance professionals call our office at 813.960.5293 or toll free at 866.218.7906. You can also email your questions and one of our agents will be happy to answer within one business day.
Insuring Hotels, Resorts and Clubs in: Carrollwood, Temple Terrace, Lake Magdalene, Brandon, Town n Country, Citrus Park, Northdale, Seffner, Thonotosassa, Riverview, Lutz, Gandy, Westchase, Keystone, Feather Sound, Valrico, Oldsmar, Lutz, Odessa, Clearwater, St. Petersburg, Palm Harbor, Safety Harbor, New Tampa, Tampa Palms
Motorcycle Insurance
Why do you need insurance for your motorcycle?
You'll enjoy being out on the open road even more when you're not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:
- If you're in an accident or your motorcycle is stolen, it costs money, often a lot of money, to fix or replace it.
- If you or a passenger is injured in an accident, medical costs can be extremely expensive.
- If your motorcycle is responsible for damage or injury to others, you may be sued for much more than you're worth.
- Your motorcycle may be one of your most prized possessions. It deserves special protection.
Things to consider and questions to ask your agent
Your Independent Agent is an advocate for finding insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:
- How much can I afford to pay if my motorcycle is in an accident, damaged or stolen? (Ask your agent what your cost savings would be if you raised your deductible.)
- What discounts and programs are available? (Ask about discounts for taking safety classes or having multiple policies. You may also save money if your motorcycle is stored in a garage or if you belong to a motorcycle association.)
- How much medical and liability coverage should I have?
- Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
- What's the process for filing and settling a claim?
Tips for the cost-conscious rider
Many factors can play a role in determining what your insurance costs will be such as your age, your driving record, where you live and the type of motorcycle you own, or being a graduate of a rider-training course.
Many companies offer discounts from 10 to 15 percent on motorcycle insurance for graduates of training courses, such as the Motorcycle Safety Foundation (MSF) rider course. Riders under the age of 25, usually considered a higher risk, may see some savings by taking this course. It's also a good idea for cyclists who have already had accidents.
Maintaining a good driving record with no violations will also help reduce your premiums.
In many northern states, riders may save money by buying a "lay-up" policy. With a lay-up policy, all coverage except comprehensive is suspended during winter months.
Find out what discounts your insurance representative offers. Multibike discounts for those insuring more than one bike, organization discounts, if you're a member of a motorcycle association, and mature rider discounts for experienced riders, are just a few possibilities. Discounts can range anywhere from 10 percent to 20 percent, depending on the company and your state. Availability and qualifications for discounts vary from company to company and state to state.
Keep in mind that the type, style (such as a sports bike vs. a cruiser) and age of the motorcycle, as well as the number of miles you drive a year and where you store your bike may also affect how much you pay for your premium.
Thank you for your interest in Jaffe Tilchin Insurance Services. If you would like to speak to one of our insurance professionals call our office at 813.960.5293 or toll free at 866.218.7906. You can also email your questions and one of our agents will be happy to answer within one business day.
Making you and your riders safe in: Carrollwood, Temple Terrace, Lake Magdalene, Brandon, Town n Country, Citrus Park, Northdale, Seffner, Thonotosassa, Riverview, Lutz, Gandy, Westchase, Keystone, Feather Sound, Valrico, Oldsmar, Lutz, Odessa, Clearwater, St. Petersburg, Palm Harbor, Safety Harbor, New Tampa, Tampa Palms
Boat & Yacht Insurance
Watercraft, Boat and Yacht Insurance Information
Why do you need insurance for your boat or personal watercraft?
You'll enjoy the water even more when you're not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:
- If you're in an accident or your watercraft is stolen, it costs money, often a lot of money, to fix or replace it.
- If you or any passengers are injured in an accident, medical costs can be extremely expensive.
- If your watercraft is responsible for damage or injury to others, you may be sued for much more than you're worth.
- Your watercraft also needs protection when it's on land. Accidents can happen while towing a watercraft.
Things to consider and questions to ask your agent
Here are a few things to consider as you prepare for the discussion:
- How much can you afford to pay if your boat or personal watercraft is in an accident, damaged or stolen?
- Is my boat or watercraft covered for use year-round?
- What discounts and programs are available?
- How much medical insurance and liability coverage is enough?
- Do I have coverage if I need to have my boat towed in an emergency?
- What's the process for filing and settling a claim?
- Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
Home and auto insurance policies may provide limited coverage for personal watercraft. Talk to your insurance representative about coverage limits. You may want to consider purchasing a personal watercraft policy to protect yourself and your water vehicle in the event of an accident.
The personal watercraft policy covers:
- Bodily injury
- Property damage
- Guest passenger liability
- Medical payments
- Theft
Liability limits start at $15,000 and can be increased to $300,000.
Typical policies include deductibles of $250 for property damage, $500 for theft and $1,000 for medical payments.
Additional coverage can also be purchased for trailers and other accessories.
You should talk to your insurance representative about the type of coverage that would best suit your needs.
Thank you for your interest in Jaffe Tilchin Insurance Services. If you would like to speak to one of our insurance professionals call our office at 813.960.5293 or toll free at 866.218.7906. You can also email your questions and one of our agents will be happy to answer within one business day.
Helping residents have fun in the sun throughout: Carrollwood, Temple Terrace, Lake Magdalene, Brandon, Town n Country, Citrus Park, Northdale, Seffner, Thonotosassa, Riverview, Lutz, Gandy, Westchase, Keystone, Feather Sound, Valrico, Oldsmar, Lutz, Odessa, Clearwater, St. Petersburg, Palm Harbor, Safety Harbor, New Tampa, Tampa Palms
Flood Insurance
There's something you should know: Flood losses are not covered by your homeowners insurance policy.
Floodwaters have the power to damage not only your home and sense of security, but also your financial future. How can you protect your most important investment in case of flooding?
Many people wrongly believe that the U.S. government will take care of all their financial needs if they suffer damage due to flooding. The truth is that Federal disaster assistance is only available if the President formally declares a disaster.
Even if you do get disaster assistance, it's often a loan you have to repay, with interest, in addition to your mortgage loan that you still owe on the damaged property. Most importantly, you must consider the fact that if your home is flooded and disaster assistance isn't offered, you'll have to shoulder the massive damage costs alone.
The bottom line is that if you're looking for secure protection from financial loss due to flood damage, federal disaster assistance is not the answer. When disaster strikes, flood insurance policyholder claims are paid even if a disaster is not Federally declared.
Flood insurance means you'll be reimbursed for all your covered losses. And unlike Federal aid, it never has to be repaid. In general, a policy does not take effect until 30 days after you purchase flood insurance.
So, if the weather forecast announces a flood alert for your area and you go to purchase coverage, it's already too late. You will not be insured if you buy a policy a few days before a flood.
Thank you for your interest in Jaffe Tilchin Insurance Services. If you would like to speak to one of our insurance professionals call our office at 813.960.5293 or toll free at 866.218.7906. You can also email your questions and one of our agents will be happy to answer within one business day.
Helping protect communities in: Carrollwood, Temple Terrace, Lake Magdalene, Brandon, Town n Country, Citrus Park, Northdale, Seffner, Thonotosassa, Riverview, Lutz, Gandy, Westchase, Keystone, Feather Sound, Valrico, Oldsmar, Lutz, Odessa, Clearwater, St. Petersburg, Palm Harbor, Safety Harbor, New Tampa, Tampa Palms
Health Insurance
What kinds of health insurance are there?
There are essentially two kinds of health insurance: Fee-for-Service and Managed Care. Although these plans differ, they both cover an array of medical, surgical and hospital expenses. Most cover prescription drugs and some also offer dental coverage.
Fee-for-Service
These plans generally assume that the medical professional will be paid a fee for each service provided to the patient. Patients are seen by a doctor of their choice and the claim is filed by either the medical provider or the patient.
Managed Care
More than half of all Americans have some kind of managed-care plan1. Various plans work differently and can include: health maintenance organizations (HM0s), preferred provider organizations (PPOs) and point-of-service (POS) plans. These plans provide comprehensive health services to their members and offer financial incentives to patients who use the providers in the plan.
What is 'long-term care'?
Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). These six actions are called Activities of Daily Living–sometimes referred to as ADLs. In general, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are said to need “long-term care.”
Long-term care isn’t a very helpful name for this type of situation because, for one thing, it might not last for a long time. Some people who need ADL services might need them only for a few months or less.
Many people think that long-term care is provided exclusively in a nursing home. It can be, but it can also be provided in an adult day care center, an assisted living facility, or at home.
Assistance with ADLs, called “custodial care,” may be provided in the same place as (and therefore is sometimes confused with) “skilled care.” Skilled care means medical, nursing, or rehabilitative services, including help taking medicine, undergoing testing (e.g. blood pressure), or other similar services. This distinction is important because generally Medicare and most private health insurance pays only for skilled care–not custodial care.
Thank you for your interest in Jaffe Tilchin Insurance Services. If you would like to speak to one of our insurance professionals call our office at 813.960.5293 or toll free at 866.218.7906. You can also email your questions and one of our agents will be happy to answer within one business day.
Providing Health Insurance in: Carrollwood, Temple Terrace, Lake Magdalene, Brandon, Town n Country, Citrus Park, Northdale, Seffner, Thonotosassa, Riverview, Lutz, Gandy, Westchase, Keystone, Feather Sound, Valrico, Oldsmar, Lutz, Odessa, Clearwater, St. Petersburg, Palm Harbor, Safety Harbor, New Tampa, Tampa Palms
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