June Marcia Williams

Your Insurance Agent in Tavernier, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Tavernier, FL...

National Producer No.

17209549

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Accident & Injury Insurance in Tavernier, FL

June Williams — real payout schedules for real injuries.

Accident and injury insurance for Tavernier, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — lump-sum payouts for covered accidents and injuries, no pressure, same-day quotes.

✅ Verified NJ · PA · FL · MD · VA Licensed Agent

❤️

3K+ Satisfied Clients

⭐

5-Star Service Rating

🛡️ NPN Verified

🏛️ 5-State Licensed

🏆 10+ Yrs Exp.

Right here · Tavernier, FL

Tavernier, FL — Your Local Producer

Living in Tavernier means embracing the unique rhythm of the Florida Keys. While we all cherish the laid-back island lifestyle, planning for the future is just as important as enjoying the present. My name is June Marcia Williams, and as a licensed insurance producer, I'm dedicated to helping my Monroe County neighbors protect what matters most. I offer personal guidance on a range of options, from Term and Whole Life to Final Expense and supplemental health policies. My goal is to help you understand your choices so you can secure your family’s financial well-being. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

Harry Harris Park
Coral Shores High School
Mariners Hospital

NPN17209549FL LicenseW840529

Licensed Accident & Injury Producers in Tavernier

27 on public record · Florida DFS · Fla. Stat. §119.01

Alissa Marie Whittle

Life Including Variable Annuity & Health

NPN 17684376 Licensed 2022

Anthony Romero

Life Including Variable Annuity & Health

NPN 7088737 Licensed 2004

Darin R Carroll

Life Including Variable Annuity & Health

NPN 931642 Licensed 2023

Erica D'Agostino

Life Including Variable Annuity & Health

NPN 21065049 Licensed 2024

Harley Nathan Kane

Life Including Variable Annuity & Health

NPN 19985439 Licensed 2021

James Deslondes

Life Including Variable Annuity & Health

NPN 20503540 Licensed 2023

Jodie Cerra

Life Including Variable Annuity & Health

NPN 21101574 Licensed 2024

Joseph Cass Miller

Life Including Variable Annuity & Health

NPN 20856263 Licensed 2023

Joshua F Hornik

Life Including Variable Annuity & Health

NPN 7335632 Licensed 2021

Juan David Franco

Life Including Variable Annuity & Health

NPN 18598552 Licensed 2017

Kendahl Harrison

Life Including Variable Annuity & Health

NPN 16833401 Licensed 2012

Kimberly Kimberly Harrington

Life Including Variable Annuity & Health

NPN 22273891 Licensed 2026

Marshall Merrriman

Life Including Variable Annuity & Health

NPN 21255549 Licensed 2024

Mary Elizabeth Houston

Life & Health (2-15) and General Lines / P&C (2-20)

NPN 8197977 Licensed 2007

Miriam Garcia

Life Including Variable Annuity & Health

NPN 7555080 Licensed 2019

Myrna Hill

Life Including Variable Annuity & Health

NPN 872020 Licensed 2019

Norberto Menendez

Life Including Variable Annuity & Health

NPN 22131307 Licensed 2026

Peter Smilovsky

Life Including Variable Annuity & Health

NPN 8081796 Licensed 2004

Robert Richard Warner

Life Including Variable Annuity & Health

NPN 8633780 Licensed 2020

Sara Marylen Roth

Life & Health (2-15) and General Lines / P&C (2-20)

NPN 20751837 Licensed 2023

Sean William Sinnamon

Life & Health (2-15) and General Lines / P&C (2-20)

NPN 20395379 Licensed 2022

Shannon Quinn Catarineau

Life Including Variable Annuity & Health

NPN 18586839 Licensed 2017

Stacia Devon Martinez

Life & Health (2-15) and General Lines / P&C (2-20)

NPN 16666339 Licensed 2025

Sylvia Rossi-Montero

Life Including Variable Annuity & Health

NPN 13854756 Licensed 2009

View all 27 licensed accident & injury producers in Tavernier →

Verify any producer at FL DFS Licensee Search ↗. This directory lists licensed producers on public record — it does not rank, rate, or endorse.

Accident & Injury Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Accident & Injury Insurance across the Tavernier regional market. Rates are localized using regional health baselines.

Official Tavernier Resources

County Monroe County

Population ~2,261

Lack of insurance (18–64) 12.7%

FIPS code 1271250

Healthcare-access indicator. Localized rates correlate with simplified-issue and final-expense product fit. Source: CDC PLACES (BRFSS).

Let June shop the market for your localized Tavernier rates. Start your quote request below.

FL OIR .GOV Monroe County Gov Portal .GOV

4.6 412 reviews

"Unfussy, family-owned stop for classic seafood plates, burgers, beer & wine alongside takeout." Google editorial · City Hall Cafe & Wine bar

Photos by City Hall Cafe & Wine bar via Google Maps

View on Google Maps

City Hall Cafe & Wine bar

Open now · Mon 11:00 AM – 9:00 PM

(305) 852-3354

cityhallcafe.net

88511 Overseas Hwy, Tavernier, FL 33070, USA

Recent Reviews

Kiefer Kenneth ★★★★★

"The Best and Cheapest place to Eat Between Homestead Florida and Key West Florida and huge portions of homemade potato salad etc..I FOUND THE OWNER TO BE A VERY FRIENDLY MAN 👨 ALSO. Peace Kenny ✌ ☮"

Dawna K. Davis ★★★★★

"I haven’t dined in yet however, the food is great and you know it is when you can’t get enough of it. I have the pasta salads quite often. My favorite is the Turkey Chipotle pasta salad. My second is …"

About Your Agent

Why Choose June?

A-Rated Security

Backed exclusively by top-tier, vertically integrated carrier capacity.

Rapid Underwriting

Algorithmic rate classifications drop processing times down to seconds.

Direct Pricing

Zero intermediary markup structures ensuring wholesale underwriting parity.

Digital Portals

Instant localized digital enrollment without offline processing roadblocks.

Read the full Accident & Injury Guide →

Select your coverage below to see your price in seconds.

Check Your Coverage Options

Financial backup for life's unexpected bumps — no obligation — fast, personalized options

Select your coverage level

Level 1
$300/day hospital · $50K AD&D

Level 2
$500/day hospital · $150K AD&D

Who needs coverage?

Individual

+ Spouse

+ Children

Family

What type of accident?

Hospital

Fracture

Dislocation

Emergency

AD&D

Other

Select an accident type to see benefit amounts.

Your Name

Phone Number

Email Address

⚡ Call me ASAP — I want to speak with an agent as soon as possible

Your info is secure · Never shared · June responds within 30 min

✅

Consultation Request Sent!

June will call you within 30 minutes during business hours.

Or call now: (908) 339-7723

Want live updates on your quote? Tap to let June text your phone directly — rates, approvals, appointments.

Prefer to talk? Ask Lia — June's AI assistant: (908) 648-8689

Compare Plans

Accident Insurance Options

Core Benefit

Hospital & Emergency

Daily cash when admitted

Hospital: $300-$500/day
ICU: $600-$1,000/day
ER services covered
Ambulance (ground + air)
Physician office visits

Get Quote

Specific Injuries

Scheduled benefit per injury

Fractures: up to $4,800
Dislocations: up to $4,000
Burns: up to $10,000
Lacerations, concussions
Pain management + dental

Get Quote

AD&D + Disability

Accidental death & dismemberment

AD&D: $50K-$150K
Common carrier: up to $300K
Dismemberment schedule
Paralysis coverage
Optional disability income

Get Quote

Important — what this coverage does not pay

This is limited benefit supplemental coverage. It is not major medical insurance, not comprehensive health coverage, and not a substitute for either. It does not meet minimum essential coverage requirements.

Benefits are paid only when the policy’s specific conditions are met. This policy contains exclusions, limitations, and reductions of benefits, and terms under which the policy may be continued in force or discontinued. Some benefits do not begin until a waiting period has passed. Losses caused by a health condition you had before your coverage start date may not be covered. Coverage of this type is guaranteed renewable; premium rates may change, but only for an entire class of policies, never for you individually.

For costs and complete details of the coverage, including the full list of exclusions and limitations, review the policy documents or contact us before applying.

📖 Accident & Injury Knowledge

Everything You Need to Know About Accident Insurance

🩹

What Is Accident Insurance?

Accident insurance pays cash benefits directly to you when you're injured in an accident — regardless of other insurance. It covers hospital stays, fractures, dislocations, ER visits, ambulance, physical therapy, and more. The money goes to you, not the hospital. Use it for copays, deductibles, rent, groceries — whatever you need while recovering.

🏨

Hospital & ICU Benefits

If an accident puts you in the hospital, you receive $300-$500 per day for inpatient stays and $600-$1,000 per day for ICU — paid for up to 15 days per ICU confinement. These benefits are paid in addition to what health insurance covers. Even a 3-day hospital stay generates $900-$1,500 in cash benefits.

🦴

The Injury Benefit Schedule

Every covered injury has a specific dollar amount. Hip fracture: $2,400-$4,800. Knee dislocation: $1,500-$3,000. Burns over 36 sq inches: $5,000-$10,000. The schedule covers fractures (16 types), dislocations (9 types), lacerations, concussions, coma, and even emergency dental. No guesswork — you know exactly what you'll receive.

⚠️

AD&D: Accidental Death & Dismemberment

Built into every policy: $50,000-$150,000 for accidental death (adult), with enhanced benefits for common carrier accidents (planes, trains) up to double. Dismemberment benefits cover loss of limbs, sight, hearing, and speech. Children covered at 25% of adult benefit. This is real financial protection beyond just injury coverage.

💼

Optional Disability Income

Add a disability income rider for $500-$2,000/month if a covered accident prevents you from working. Off-the-job accidents and 24-hour short-term disability available for up to 12 months. Requires 27.5+ hours/week employment. This turns accident insurance into true income protection — not just medical gap coverage.

⚖️

Florida Consumer Protections

Accident insurance policies through our carriers are guaranteed renewable for life with level premiums. Florida requires a 14-day free-look period (Fla. Stat. § 627.4554). There's a 12-month pre-existing condition lookback for sickness-related riders only — the base accident plan has no health questions for covered accidents. Issue ages 18–69 for new policies.

🎓 June Marcia Williams — FL License #W840529, NPN 17209549. 12 years experience. Licensed in NJ, PA, FL, MD, VA. Appointed with A-rated supplemental health carriers.

Life Insurance in Tavernier

More Insurance Options in Tavernier, FL

🛡️ Term Life 💎 Whole Life 📈 Universal / IUL 🏥 Critical Illness 🏨 Hospital Indemnity 🏢 Business Life 🔑 Special Situations 🕊️ Final Expense

Insurance Resources

Know Your Rights in Florida

Florida Office of Insurance Regulation

File complaints, verify agent licenses, and understand your rights under Florida insurance law.

Visit floir.gov →.GOV

FL Life Insurance Buyer's Guide

Free consumer guide from FL OIR explaining policy types, replacement rules, and your free-look period.

Visit floir.gov →.GOV

Verify an Agent's NPN License

Use NIPR's lookup tool to verify any agent's National Producer Number and active state licenses.

Visit nipr.com →.COM

Frequently Asked Questions

Accident & Injury Insurance FAQ

💰

How much does accident insurance pay?

Benefits are paid per incident: hospital stays ($300-$500/day), ICU ($600-$1,000/day), fractures (up to $4,800), plus ER, ambulance, and therapy. AD&D up to $150K.

🏥

Does this work with my health insurance?

Yes. Accident insurance pays you directly — on top of whatever your health insurance covers. Use the cash for copays, deductibles, lost wages, or anything else.

👨‍👩‍👧

Can I cover my whole family?

Yes. Coverage options include Individual, Individual + Spouse, Individual + Children, and Family. All covered members receive the same benefit amounts for covered accidents.

🚗

Are car accidents covered?

Yes. Motor vehicle accidents are covered, including enhanced AD&D benefits for motorized vehicle or pedestrian death. All accidental injuries from car, motorcycle, and pedestrian accidents qualify.

📋

Is a medical exam required?

No medical exam for the base accident plan. The optional sickness disability rider may require health questions. Issue ages 18-69, guaranteed renewable for life.

Nearby Accident & Injury Coverage

Read the Full Accident & Injury Consumer Guide →

Written by June Marcia Williams · NPN 17209549 · Independent guide for Florida consumers

Talk to a real person. Today.

No automated phone trees. No chatbots. Schedule a time that works for you and a licensed agent with 12 years of experience calls you directly.

Licensed in 5 states NPN verified No obligation

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Accident & Injury Insurance in Tavernier, FL

Tavernier, FL — Your Local Producer

Licensed Accident & Injury Producers in Tavernier

⚡ Accident & Injury Insurance Underwriting Scope

🏛️ Official Tavernier Resources

Why Choose June?

A-Rated Security

Rapid Underwriting

Direct Pricing

Digital Portals

Check Your Coverage Options

Consultation Request Sent!

Accident Insurance Options

Hospital & Emergency

Specific Injuries

AD&D + Disability

Everything You Need to Know About Accident Insurance

What Is Accident Insurance?

Hospital & ICU Benefits

The Injury Benefit Schedule

AD&D: Accidental Death & Dismemberment

Optional Disability Income

Florida Consumer Protections

More Insurance Options in Tavernier, FL

Know Your Rights in Florida

Florida Office of Insurance Regulation

FL Life Insurance Buyer's Guide

Verify an Agent's NPN License

Accident & Injury Insurance FAQ

How much does accident insurance pay?

Does this work with my health insurance?

Can I cover my whole family?

Are car accidents covered?

Is a medical exam required?

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Talk to a real person. Today.

Accident & Injury Insurance Underwriting Scope

Official Tavernier Resources