Frequently Asked Questions
What types of insurance does Frye Insurance offer?
We offer a full range of commercial and personal lines coverage. Our commercial specialties include workers’ compensation, general liability, and commercial property insurance. On the personal side, we handle homeowners, auto, and life insurance. As an independent agency, we work with multiple carriers to find the right fit for your needs and budget.
What is the difference between an independent and a captive agent?
A captive agent represents only one insurance company, which limits your options. As an independent agency, Frye Insurance is appointed with multiple carriers — so we shop the market on your behalf and recommend the coverage that best fits your situation at the most competitive price.
Does my Florida business need workers’ compensation insurance?
In Florida, most employers with four or more employees are required to carry workers’ compensation insurance. Construction businesses must carry it with even one employee. Non-compliance can result in stop-work orders and significant fines. We can verify your requirements and get you compliant coverage quickly.
What does general liability insurance cover?
General liability protects your business against third-party claims of bodily injury, property damage, and personal or advertising injury arising from your operations. It’s frequently required by landlords, clients, and contracts, and is foundational coverage for any business.
How do I file an insurance claim?
Contact your carrier directly using the claims number on your policy or ID card. Our Claims, Carriers & Payments page has direct links to the carriers we work with. If you need help navigating the process, call us at (904) 721-1088 — we’re happy to assist.
How do I get a free insurance quote?
Fill out the form on this page, call us at (904) 721-1088, or visit our office at 4161 Carmichael Ave #143, Jacksonville, FL 32207. We’ll gather the details and get back to you with options promptly.
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