Waterfield & Associates, Inc.
DBA Destin Insurance Group
127 Harbor Boulevard, Suite 10
Destin, Florida 32541
Call Now: 850-837-6242
Our Services
OUR SERVICES
We provide a wide range of professional services to meet your needs. We promise to provide every service with a smile, and to your highest level of satisfaction.
All the services you need,all in one place.
Waterfield & Associates, Inc. has been servicing your insurance needs for years.
We are built on the principles of providing superior customer service and quality insurance solutions for our customers.
As an independent agent, we work with select insurance companies that have proven their performance over the years.
We are dedicated to getting you the best insurance products and services available today to protect you, your family, and your business.
Commercial Insurance
- Contractors
- Manufacturers
- Retail
- Wholesale
- Professional Offices
- Restaurants
- Garage & Repair
- Delivery Services
- Day Care
Personal Insurance
- Auto
- Home
- Renters
- Umbrella
- Watercraft
- Motorhomes
- Scheduled Property (Inland Marine)
- Motorcycle
Life Insurance
- Term
- Whole
- Universal
- Variable (Life & Annuities)
- Annuities
Auto Insurance
To properly protect yourself from the always present danger of huge awards for auto liability, it is imperative that you maintain the proper level of coverage for your particular situation.
If you have any doubts about the appropriate level of automobile coverage that’s right for you, we have excellent plans available through reputable auto insurers, and we will be happy to help pinpoint the coverages best suited to your needs.
Compulsory Auto Policy Coverage
- Bodily Injury to Others
- Personal Injury Protection
- Bodily Injury Caused by Uninsured Auto
- Damage to Someone Else’s Property
Optional Coverages
- Optional Bodily Injury to Others
- Medical Payments
- Collision
- Comprehensive
- Substitute Transportation
- Towing and Labor
- Bodily Injury Caused by an Underinsured Auto
Home Insurance
The biggest investment most people will ever make is in their home. That is why it makes sense to protect the sizable financial investment you have made in your own home with a comprehensive homeowners plan.
Your home purchase is an investment deserving the protection that only an experienced insurance professional can provide.
Basic Protection You Need For:
- Your home
- Other buildings or structures on your property
- Personal belongings – furniture, clothing, appliances, etc.
- Additional living expenses
- Personal legal liability
Special Features You Can Choose For Additional Security:
- Home Replacement Guarantee
- Replacement Cost on Contents
- Additional Coverage Form
Business Insurance
We offer insurance packages that are tailored for different types of businesses. Whether it is insurance for your building, business property, equipment, inventory or company vehicles, we offer products and services to protect your business. In addition, we offer group health and retirement plans.
Property Insurance
Property Insurance covers the risk of property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items.
Property Insurance may cover two types of property losses:
- Direct losses may be covered when property is lost, stolen, damaged or destroyed.
- Indirect or consequential losses related to direct losses may also be covered.
Basic Protection You Need For:
- Your home
- Other buildings or structures on your property
- Personal belongings – furniture, clothing, appliances, etc.
- Additional living expenses
- Personal legal liability
Special Features You Can Choose For Additional Security:
- Home Replacement Guarantee
- Replacement Cost on Contents
- Additional Coverage Form
Commercial General Liability Insurance
Casualty Insurance consists primarily of liability coverages, which protect an insured party against injury or damage claims made by other parties.
Policies provide coverage for liability arising out of:
- Premises and Operation
- Fire Damage Liability (damage by fire to premises rented to insured)
- Personal and Advertising Injury
- Medical Payments
- Products/Completed Operations
Business Auto Insurance
Business Auto coverage
insures vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships. Business Auto coverage may be used to insure private passenger autos and all types of trucks, trailers, semitrailers and commercial vehicles designed for use on public roads. We can give you more details about specific coverages and deductibles and about tailoring a Business Auto plan that?s right for you and your business.
Workers’ Compensation
Workers’ Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment. Any bodily injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered.
Workers’ Compensation provides for the payment of four types of benefits:
A representative can provide you with complete details on Workers’ Compensation Insurance and recommend cost-effective ways to control expenses through safety engineering and claim services.
Contact us today for more information about commercial insurance or fill out the Request a Quote form on this page.
Life Insurance
Life insurance is a crucial step in planning the future for you and your family. It can fulfill promises and obligations to your family if you are no longer living.
The death benefit is income-tax free and can be used to cover funeral expenses, repay debt, provide education, pay estate taxes or any other expenses your survivors may incur.
Life insurance may also be used to help ensure that a family business will pass to your intended survivor. There are also benefits to certain types of life insurance plans during your lifetime.
Pet Insurance
Give your entire family the protection they deserve.
What is Pet Insurance?
Pet insurance reimburses you for your dog or cat’s unexpected medical bills.
How Does It Work?
Your pet is treated at any veterinarian for sickness or injury. You submit the bill to Figo for reimbursement by simply snapping a photo of your vet bill. Then, you upload the photo via Figo’s Pet Cloud mobile app to be reimbursed for the costs in an average of 7 days. It’s that easy.
Why do you need it?
Advancements in veterinary medicine save more pets than ever, and those treatments can be really expensive.
Why Figo?
For an average cost of a $1.25 per day, Figo lets you visit any licensed veterinarian, specialist and ER in the US, Canada or Puerto Rico. Enrollment is easy and Figo’s customer care team is accessible by phone, email, text, chat and Twitter.
More Than Pet Insurance.
With your Figo policy, you also receive the first-ever Pet Cloud with mobile app to manage your pet’s life. Some features of the Pet Cloud include:
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• Access to your pet’s records for travel and emergency
• Text and email reminders for pet health appointments
• Lost pet technology using GPS and family text alerts
• Pet-friendly business locator
Interested in our services? We’re here to help!
We want to know your needs exactly so that we can provide the perfect solution. Let us know what you want and we’ll do our best to help.