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In 1912 he tried to insure himself against any liability from passengers of his aircraft, this was unknown at the time and Lloyd's asked him to write his own policy, the first aircraft insurance policy.
Upon arriving in Miami, José Navarro, Sr. cashed an insurance policy and used the $4000 to open a pharmacy on S.W. 8th Street and 13th Avenue, in what would become the heart of Miami’s Little Havana.