Mizell Insurance Agency has been serving the Northeast Florida area since 1989. Our customer service & loyalty to our customers has earned us the trust and respect of the community. Let Mizell take care of all your insurance needs. Call for a free no obligation quote today. Serving Jacksonville, Nassau County, Duval County, and more! We offer ATV Insurance, Boat Insurance, Business Owner's Policy, Business Property & Liability, Commercial Auto Insurance, Commercial Liability Umbrella, Commercial Property Insurance, Condo Insurance, Flood Insurance, General Liability Insurance, Hazard Insurance, Homeowner's Insurance, Landlord Insurance, Liquor Liability, Marine Insurance, Mobile Home Insurance, Motorcycle Insurance, Personal Auto Insurance, Personal Liability, Pet Insurance, Renter's Insurance, RV Insurance, SR-22, FR-44, Surety Bonds, Umbrella Policies, Vacant Property Insurance, Watercraft Insurance, and Worker's Comp Insurance.
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Let Mizell Insurance Agency help you find the car insurance policy that fits your needs in Florida today!
Floater - A separate policy available to cover the value of goods beyond the coverage of a standard renters insurance policy including movable property such as jewelry or sports equipment.
Home Insurance
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it. Mizell Insurance Agency
Accidental Death Benefit - In a life insurance policy, benefit in addition to the death benefit paid to the beneficiary, should death occur due to an accident. There can be certain exclusions as well as time and age limits.
Health Insurance
Benefit Period - In health insurance, the number of days for which benefits are paid to the named insured and his or her dependents. For example, the number of days that benefits are calculated for a calendar year consist of the days beginning on Jan. 1 and ending on Dec. 31 of each year.
Disability Insurance
Residual Benefit - In disability insurance, a benefit paid when you suffer a loss of income due to a covered disability or if loss of income persists. This benefit is based on a formula specified in your policy and it is generally a percentage of the full benefit. It may be paid up to the maximum benefit period.
Long Term Care
Living Benefits - This feature allows you, under certain circumstances, to receive the proceeds of your life insurance policy before you die. Such circumstances include terminal or catastrophic illness, the need for long-term care, or confinement to a nursing home. Also known as "accelerated death benefits."
Employers Liability Insurance - Coverage against common law liability of an employer for accidents to employees, as distinguished from liability imposed by a workers' compensation law.
Commercial Liability Insurance
Professional Liability Insurance
Risk Retention Groups - Liability insurance companies owned by their policyholders. Membership is limited to people in the same business or activity, which exposes them to similar liability risks. The purpose is to assume and spread liability exposure to group members and to provide an alternative risk financing mechanism for liability. These entities are formed under the Liability Risk Retention Act of 1986. Under law, risk retention groups are precluded from writing certain coverages, most notably property lines and workers' compensation. They predominately write medical malpractice, general liability, professional liability, products liability and excess liability coverages. They can be formed as a mutual or stock company, or a reciprocal.
Participation Rate - In equity-indexed annuities, a participation rate determines how much of the gain in the index will be credited to the annuity. For example, the insurance company may set the participation rate at 80%, which means the annuity would only be credited with 80% of the gain experienced by the index.
Liability Insurance
General Liability Insurance -Insurance designed to protect business owners and operators from a wide variety of liability exposures. Exposures could include liability arising from accidents resulting from the insured's premises or operations, products sold by the insured, operations completed by the insured, and contractual liability.
Travel Insurance
Creditable Coverage - Term means that benefits provided by other drug plans are at least as good as those provided by the new Medicare Part D program. This may be important to people eligible for Medicare Part D but who do not sign up at their first opportunity because if the other plans provide creditable coverage, plan members can later convert to Medicare Part D without paying higher premiums than those in effect during their open enrollment period.