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Claims guidance
We help you understand the process, gather information and communicate with the appropriate parties.
Personal and commercial insurance in Florida
All Insurance Solutions
We help you understand your health, auto, home, life and business insurance options — clearly and without unnecessary complications.
Coverage
Commercial and personal insurance lines
Personal Lines
Commercial Lines
Commercial auto
Options for vehicles and fleets used by your business.
Workers' Compensation
Coverage for work-related injuries and illnesses, where applicable.
Umbrella
Additional liability limits over eligible underlying policies.
General Liability
Protection for certain third-party claims related to business operations.
Trucking Commercial transportation
Other services
Explore our other servicesSee what is available and how to get started.View other services Learn more about Vemos Insurance
Where to begin
First, we listen to what you need.
Not every policy works the same way. We begin with your priorities, explain key differences and help you identify options that may fit your situation.
Start a conversation →Health Marketplace · 2027 coverage
Open Enrollment begins November 1.
We help you compare options, review provider networks and understand costs before applying for coverage.
Nov. 1Open Enrollment begins
Jan. 15Open Enrollment ends
Outside these dates, certain life events may qualify you for a Special Enrollment Period. View official information.
How we work
A simple process, from beginning to end.
- 01
Tell us about your situation
We discuss what you want to protect and any coverage you already have.
- 02
We review options
We identify available alternatives and explain their differences in plain language.
- 03
You decide with confidence
We help with the next steps and remain available when you need us.
Why Vemos?
Clear information for important decisions.
Insurance can feel complicated. Our role is to explain options, limits and next steps clearly, so you can protect what matters most with greater confidence.
Client experiences
Trust is built through attentive service.
“I fully trust Vemos Insurance to help protect my assets. They showed exceptional dedication while presenting coverage options.
“The team was friendly and professional, and guided me throughout the insurance selection process.
“They helped me find an option for my family and responded quickly to our questions.
Ongoing service
We stay with you after you choose.
A policy needs follow-up. We remain available to help you understand changes, renewals and next steps.
Annual policy reviews
We review changes involving your family, vehicles, property or business before renewal.
Potential savings
We check available discounts and bundling options based on the carrier and your eligibility.
Risk guidance
We share practical recommendations to help you prepare for events that may affect your home, vehicle or business.
Frequently asked questions
Answers to help you begin.
Details vary by carrier and policy. A personalized review allows us to confirm what applies to your situation.
What can affect my auto insurance premium?
Your driving history, vehicle, location, limits, deductibles, listed drivers and other underwriting factors may influence the price.
Can I add other drivers to my policy?
In many cases, yes. You should accurately report who drives the vehicle and how often so the carrier can evaluate coverage and cost.
What happens if I lend my car and there is an accident?
The answer depends on the policy, driver and circumstances. It is helpful to review permitted drivers, exclusions and limits before lending your vehicle.
Local service
Florida is our home. Bilingual service is part of what we do.
An important decision deserves a clear conversation. We serve families, drivers and business owners throughout Florida in English and Spanish. Use the floating WhatsApp button when you are ready to reach us.
Our office
Business hours
Monday to Friday9:00 a.m. to 5:00 p.m.
Saturdays10:00 a.m. to 2:00 p.m.