Fleming Agency

We wish you a happy and spooky Halloween!

A valuable possessions policy has other benefits, in addition to making sure you are adequately covered. For example, you can get coverage based on the actual replacement value of the item that you are insuring rather than a generic market price. It’s well worth getting regular valuations and keeping your policy up-to-date to reflect these figures.

Providing a variety of personal insurance and business insurance solutions is what Fleming Agency does best.

A car or truck is often your biggest asset aside from your home. Auto insurance protects against potentially crippling financial losses and the sheer inconvenience of being without transportation.

There’s perhaps no organizing task more daunting than the garage—it’s often the dumping ground for the stuff that has no other place in the house, or the things you don’t use but just can’t bring yourself to toss.

When you look around your business, it’s obvious that you need to protect against damage to your buildings, equipment, and staff. Less obvious–but no less important–is the risk of damage to other people and businesses, which could leave you paying out large sums if you are held liable.

But you can't beat all three. We may not be able to help you with the first two, but you won't believe the insurance we can help you find.

The Benefits of Working with an Independent Agency
> We represent multiple insurance companies.
> We are licensed insurance advisors.
> We are by your side every step of the way.
> We offer a wide variety of insurance solutions.
> We are there for you in your time of need.

For most homeowners, floods are a low likelihood but high-cost risk. If you are hit by flooding you could lose most of your personal possessions, face major reconstruction work, or even be left homeless for months while your property is made habitable again. In most cases, not having coverage for flooding is a chance you simply can’t afford to take.

Contact us and we’ll help explain the benefits of obtaining a separate flood insurance policy.

We hope everyone is safe and well!

Make sure to document your home as much video and photos before the storm, both interior and exterior.

In the case of making insurance claims you'll want evidence that there was no damage to your home before, and it was a direct result of the storm. Insurance adjusters can make more accurate estimates of value if they are provided with as much detail as possible.

If you're in Orlando, do this tonight and hang onto the videos and pictures until after the storm when you can assess any damage.
Stay Safe!

Our thoughts and prayers are with your families during this time!

Take a look at the stories to access the Hurricane Preparedness Plan.

Hurricane Ian is getting closer. Don't forget to have your policies up-to-date! If there are any modifications you need, please contact us.

Your condo association’s insurance policy likely covers certain aspects of your condo, such as common or shared areas. As a result, it may cover your condo unit, but not any improvements you make or fixtures you add to the condo. It also won’t cover your personal possessions. Condo insurance is designed to make up for this shortfall. It’s a mixture of the better-known landlord insurance and renters insurance but is specially designed for your particular condo.

"You define your own life. Don't let other people write your script."

— Oprah Winfrey

With the back-to-school season, we all should be extra careful on the roads, in school zones and around buses. Don't forget to watch for bikes, too!

We are an independent insurance agency made up of real people that call Central Florida home, and we stand ready to help you navigate the important issues surrounding personal and business insurance.

Just because you don’t live in a high flood risk area doesn’t mean it’ll never happen to you. We’ll provide the specialized coverage you need to help protect your home from rising waters—even if you’re not in a flood zone.

Happy Labor Day everyone! Thank you for your tireless work!

Happy Labor Day everyone! Thank you for your tireless work!

We are an independent insurance agency made up of real people that call Central Florida home, and we stand ready to help you navigate the important issues surrounding personal and business insurance.

Protection for service-oriented businesses.

When a business provides services that are personal, like wedding photography, beauty and spa services, financial advice, estate planning, or business consulting services, having the right type of professional services policy in place helps cover the costs associated with being sued by a client. This is essential coverage whether you run a small business or a larger scale operation.

When customizing a professional services insurance package, the business owner should choose the types of property damage insurance, general liability insurance, and business income insurance that best fit their budget and company size. These aspects of your business can safeguard your investment and future by covering the essentials.

And as you think about how to get your kids organized and rolling in these first weeks of school, consider doing the same thing for something else - your home. It won't just be good for you; in many instances, removing clutter also means removing distractions, which can help your kids focus better.

Directors and officers liability insurance covers directors and officers for claims made against them while serving on a board of directors and/or as an officer. We’ll work with you to protect your organization’s greatest asset: your senior leadership.

A Business Owners Policy (BOP) combines business property and business liability insurance into one convenient policy. We’ll work with you to design coverage that protects your business from a variety of risks, unique to your industry.

The first type is property insurance. Property insurance covers risks associated with your business’ premises, equipment and vehicles. In addition, it often includes any associated loss of business. This is an essential coverage because it ensures your business, assets, and income are protected. For instance, here are a few of the coverages to consider in your business owners policy:

A Business Owners Policy (BOP) combines business property and business liability insurance into one convenient policy. We’ll work with you to design coverage that protects your business from a variety of risks, unique to your industry.

The first type is property insurance. Property insurance covers risks associated with your business’ premises, equipment and vehicles. In addition, it often includes any associated loss of business. This is an essential coverage because it ensures your business, assets, and income are protected. For instance, here are a few of the coverages to consider in your business owners policy:

Fleming Agency uniquely offers the experience of over 50 years of combined insurance service from our team of professionals, as well as access to many of the most recognized and top-rated insurance companies in the industry. As the insurance marketplace has changed and our community has grown, we have remained focused on the relationships we continue to build with our customers each and every day.

Fleming Agency was established in 1986 by Gary Fleming. After having served the personal and business insurance needs of many Central Floridians for over 20 years as the president of a local agency, Gary decided to pursue his dream of owning and operating his own business. From our humble beginnings in a shared office space near the downtown YMCA to our current location on Hillcrest Street, we have remained committed to serving the personal and business insurance needs of this community.