We offer the following coverages:

For individuals: Homeowner’s Policies Personal Auto Policies Flood Insurance Wind Only Coverage (For those in the Wind Pool area) Personal Umbrellas

For Businesses: Business Package Policies Workers Compensation Commercial Auto Policies Flood Insurance Wind Only Coverage (For businesses in the Wind Pool area) Commercial Umbrellas Bonding Employment Practices Liability

For Medical Professionals: Individual Medical Malpractice Group Medical Malpractice Facility Medical Malpractices Coverage for Aesthetic Medicine

Why use an independent agent?

Independent Agents have the ability to “shop” your coverage with a number of different insurance companies. This ensures that you will get the most competitive premium.

A carrier that I spoke with can sell me a policy direct or I can use an independent agent. Does it cost more to use an agent?

No, the price will be the same and meeting with the independent agent face to face to discuss your situation and needs is an added benefit.

What benefit does Wasson & Associates bring to my business?

We have been working with physicians and business owners since we were established in 1989. Our reputation has allowed us to work with some of the top insurance companies writing in Florida. We have the carriers and knowledge to handle all of your insurance needs, eliminating phone calls to multiple insurance companies.

What is the difference between an “Occurrence” and “Claims-Made” form of professional liability?

Basically, occurrence coverage provides protection for professional liability services rendered while the policy is in effect, regardless of when a claim is filed. Even after the policy expires, the occurrence policy will still provide coverage for professional services provided during the policy term. With an occurrence policy, there is no need to purchase a “tail policy.”

Occurrence coverage is based on when an act occurred, claims-made coverage is based on when the act is reported, when the claim is actually made.

Claims made policies provide coverage for claims which are reported to the insurer while the policy is in force. The policy covers professional services rendered on or after (1) the policy inception date or (2) an earlier retroactive date. The retroactive date is a date mutually agreed upon by the company and the insured. Therefore, claims made policies may provide coverage for professional services rendered from a retroactive date through a cancellation or expiration of the current policy, o long as the claim is reported to the insurer during a policy period.

What is “tail coverage”?

Due to cancellation or non-renewal, an additional premium to purchase an Extended Reporting Endorsement, commonly called “tail coverage” may be required to provide protection for claims reported after the final claims-made policy’s termination date which provides coverage for cliaims filed in the future.

What Our Clients Say:

It has been such a pleasure working with Chuck Wasson and his staff. Chuck is always available each and every time I have had insurance needs and or questions. Because of his outstanding work ethic and customer service, I have given all The Pinellas County Medical insurance needs to Chuck. The business Chuck has help to generate for this organization speaks alone to his hard work and endless dedication. My doctors also compliment how much of an impact he has made in saving them money for their practices. Chuck has the loyalty of the PCMA - 100% guaranteed.

Anissa Raiford
Executive Director
Pinellas County Medical Association

Chuck Wasson, President, began working at Sandy Wasson & Associates Insurance in 1992. Prior to that he was an insurance adjuster and spent the last 30 days of his adjusting career in Miami following Hurricane Andrew. After entering the family agency, he began working with physicians which today accounts for the majority of the business at Wasson & Associates. He has a Bachelor of Science degree from the University of Florida and holds the Chartered Property & Casualty Underwriter and the Certified Insurance Counselors designations, both nationally recognized designations within the insurance industry.

Chuck is a past President of the Kiwanis Club of Pinellas Park is married and has two daughters. In his spare time, Chuck enjoys training and racing in Triathlons and completed Ironman Florida in 2004.

Contact Chuck by email or call 727-392-4400