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Insurance

College Insurance

Insuring Your Student

July 14, 2025

Courtesy of iii.org With burglaries constituting approximately 50 percent of all on-campus crimes, it's important for college students and their parents take steps to prevent theft, adhere to safety measures—and review their insurance coverage. Campus coverage basics It's best to consult your insurance professional for the details of your family's specific coverage and where you might need additional protections, but here are some general guidelines: Students who live in a dorm are covered under their parents' standard homeowners insurance policies – That is, their possessions are protected by "off premise" coverage. However, some homeowners policies may limit this amount of insurance, so make sure you understand your own policy. Students who live off campus are likely not covered by their parents’ homeowners policy – Your insurance professional can tell you whether your homeowners or renters policy extends to off-campus living situations. If it does not, to …

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Liability Insurance

Liability Insurance Coverage

July 7, 2025

Courtesy of iii.org Do you or your business provide professional services or advice to other businesses or individuals? Could your counsel or service lead to losses by your client for which you could be held responsible? If so, you’ll likely want to purchase professional liability insurance, also known as errors and omissions insurance (E&O). Claims not covered by general liability insurance that are covered by professional liability insurance include negligence, misrepresentation, violation of good faith and fair dealing, and inaccurate advice. What types of businesses need professional liability insurance? In some states, professional liability insurance is required, especially for attorneys and doctors. Legal and medical malpractice insurance policies are special types of professional liability insurance. Other professionals that should consider professional liability insurance include: Accountants Architects Engineers Graphic designers Information …

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Umbrella Insurance

Umbrella Insurance Policy-Do I Need It?

June 29, 2025

Courtesy of iii.org If you are ever sued, your standard homeowners or auto policy will provide you with some liability coverage, paying for judgements against you and your attorney's fees, up to a limit set in the policy. However, in our litigious society, you may want to have an extra layer of liability protection. That's what a personal umbrella liability policy provides. An umbrella policy kicks in when you reach the limit on the underlying liability coverage in a homeowners, renters, condo or auto policy. It will also cover you for things such as libel and slander. For about $150 to $300 per year you can buy a $1 million personal umbrella liability policy. The next million will cost about $75, and $50 for every million after that. Because the personal umbrella policy goes into effect after the underlying coverage is exhausted, there are certain limits that usually must be met in order to purchase this coverage. Most insurers will want you to have about $250,000 of …

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Disclaimer Notice

Call us if you have any questions.
Orange Park: (904) 783-3388
Dade City: (813) 782-2915
Wesley Chapel: moved to Dade City-same phone
The premiums to be quoted are estimates based on information you provided. This quotation does not constitute a contract of insurance, nor does it provide coverage for any loss or claim. Coverage can only be bound by an agent with a signed application and a down payment. Insurance coverage cannot be bound or changed via submission of this online form/application, e-mail, voice mail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly with a licensed agent. Note any proposal of insurance we may present to you will be based upon the values developed and exposures to loss disclosed to us on this online form/application and/or in communications with us. All coverages are subject to the terms, conditions, and exclusions of the actual policy issued. Not all policies are available in every state.
Please contact our office at (813) 782-2915 (Jacksonville) or (904) 783-3388 (Tampa) to discuss specific coverage details and your insurance needs. In order to protect your privacy, please do not send us your confidential personal information by unprotected email. Instead discuss that personal information with us by phone or send by fax.
Call us if you have any questions.
Jacksonville: (904) 783-3388
Dade City: (813) 782-2915
Wesley Chapel: moved to Dade City-same phone

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Jacksonville Location

Giella Insurance Agency
7855 Argyle Forest Blvd Unit 502
Jacksonville, FL 32244
Phone: (904)-783-3388
Fax: (904)-783-1166

Dade City Location

Giella Insurance Agency
37837 Meridian Ave, Suite 102
Dade City FL 33525
Phone: (813) 782-2915
Fax: (813-783-2226

Wesley Chapel moved to Dade City

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