Erwin Insurance Agency

Helping you protect more of what’s important to you, no matter what life throws your way.

Personal Insurance

Life happens fast, and the truth is there’s nothing as valuable as peace of mind. Our goal is to protect you from the unexpected through top quality insurance coverage that works for your needs, as well as your budget.

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Business Insurance

In today’s ever-changing environment, risk is constant. Business insurance isn’t. We’ll thoroughly assess your business and situation to develop creative, comprehensive, cost-effective solutions that fit your needs.

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Business Insurance

In today’s ever-changing environment, risk is constant. Business insurance isn’t. We’ll thoroughly assess your business and situation to develop creative, comprehensive, cost-effective solutions that fit your needs.

Learn More

At Erwin Insurance Agency®, we have developed a deep appreciation for the purpose we serve:

To help you transfer and manage unpreventable risks.

Erwin Insurance Agency® offers comprehensive business and personal insurance solutions.

Founded in 1963, Erwin Insurance Agency® is a comprehensive commercial and personal lines insurance agency providing services throughout Florida in JacksonvilleFleming IslandMiamiOrlandoGainesville and Sarasota. Also in New York, NY and throughout 15 other states. We have spent 55 years gaining industry expertise and relationships with insurers and risk service groups. Over that time, we have developed a deep appreciation for the purpose we serve: to help you transfer and manage unpreventable risks.

Our Vision

Our vision is to change your perception about insurance, from necessary evil to the smartest way to protect more of what’s important to you.

While we provide traditional insurance coverage, we’re passionate about making the process more efficient and we’re committed to a fresh take on how it’s delivered. We let the following rules of engagement guide our delivery:

Customers before commissions

We won’t sell you coverage you don’t need.

Details before deals

We won’t submit applications without the right data.

Creativity before calling it

We won’t give up if your needs are unconventional.

Simplified without under - complicating it

We’re here to help you make decisions about complex products.

Our Locations

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Jacksonville Office –
Commercial

6260 Dupont Station Court, Suite B
Jacksonville, FL 32217

Jacksonville Office –
Personal

2200 Cassat Avenue
Jacksonville, FL 32210

Fleming Island Office

1845 Town Center Boulevard, Suite 550-6
Fleming Island, FL 32003

New York City Office

1 Little West 12th Street
New York, NY 10011

Also serving the areas of Miami, Orlando, Gainesville and Sarasota.

Cyber Liability

Cyber Liability Coverage

Risk Factor

The Internet has spun a whole new web of liability exposures. E-commerce, social networking, cloud storage and other technologies bring great benefits to large and small businesses alike. But with these benefits also come challenges, including protection of privacy, data and financial information of your customers. If this information is lost, stolen or compromised, your company is at risk. In fact, you may even be required by law to alert those impacted by the breach and to pay for any financial loss incurred.

Solution

Cyber liability coverage offers protection due to unauthorized access of electronic data or software within your network. It also provides coverage for spreading a virus, computer theft, extortion or any unintentional act, mistake, error or omission made by an employee. This coverage is quickly becoming more and more important as you embrace technology to help run your business.

First-Party Coverage

Risk Factor

If your company is faced with a data breach or cyber-attack, you may be forced to cover breach-related expenses such as crisis management, hiring a public relations firm to manage a data breach incident, costs associated with forensic analysis, the cost of repairing and restoring computer systems if there is a virus that destroys business software and data, and the loss of business income resulting from a data breach.

Solution

First-party coverage will insure your business for losses to your own data or lost income or for other harm to your business resulting from a data breach or cyber-attack. This coverage will pay you for things like business interruption, the cost of notifying customers of a breach, and even the expense of hiring a public relations firm to repair any damage done to your image as a result of a cyber-attack. Having this funding available in the event of a crippling hack can keep the lights on till you’re able to resume your normal business operations.

Business Income

Risk Factor

What would you do if an email virus impacted the operation of your database and prevented you from serving clients for a day or more? Or what if a hacker or cyber-criminal caused a system outage or extended downtime, leaving your business inoperable? These and other events can destroy your ability to serve clients and bring in revenue, which can have a major long-term impact on the viability of your business.

Solution

Business interruption insurance compensates you for lost income if your company cannot operate as normal due to disaster-related damage that is covered under your commercial property insurance policy, such as data breach or cyber-attack. Business income insurance covers the revenue you would have earned, based on your financial records, had the disaster not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.

Third-Party Coverage

Risk Factor

If your business handles sensitive customer data (such as email lists, credit card records or other files), data breaches pose a serious threat to your financial stability. A lawsuit resulting from a data breach means your business is responsible for paying legal fees, court-ordered judgments or settlements and other court-related costs.

Solution

Third-party coverage protects you in the event of a lawsuit brought by a customer or partner for a data breach that your business' actions or negligence allowed.

Regulatory Claim Coverage

Risk Factor

If your business experiences a data breach or violation of confidential information during regular business operations, you may be found in violation of state or federal privacy laws and be required to pay fines for the violations or other regulatory issues.

Solution

You may be eligible for regulatory claim coverage which would offer protection in response to proceedings related to state disclosure laws and other governmental actions that can result in defense costs, fines and/or penalties. Coverage does vary and may be restricted by state law.

Ransom Coverage

Risk Factor

If hackers gain control of critical systems, they may demand a ransom be paid to avoid additional consequences. Sometimes these can be empty threats, but it’s impossible to know for sure. Paying the ransom can be costly. Taking a chance by choosing not to pay can sometimes put a company out of business.

Solution

Coverage for ransom and cyber extortion can be included in cyber liability policies and can help cover the cost of ransom to regain control of network systems. This is often not included in a standard policy, may include a separate sublimit and deductible, and may require adherence to certain conditions set forth by the insurer.

There’s more to insurance than the price of the policy.

Explore our interactive graphics and learn about your unique risks and the related insurance solutions.

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