Our licensed business & commercial insurance professionals are here for you. Our staff is trained to understand your insurance needs and to work with you to design the right coverage and then get quotes from the top Florida business & commercial insurance carriers to get you the best possible price. We don’t work for an insurance company; we represent you and your business.
Business and commercial insurance has coverage options available to protect just about every aspect of your business from employee injury to natural disasters. Securing the right type and amount of insurance for your business will help you avoid gaps.
Business Owner’s Policy
Business insurance coverage may be purchased separately or in a package called a business owners’ policy (BOP). Purchasing separate policies from different insurers may result in higher total premiums. A BOP combines typical coverage options into a standard package, and is offered at a premium that is less than if each type of coverage was purchased separately.
Typically, BOPs consist of covering property, general liability, vehicles, business interruption and other types of coverage common to most types of businesses. BOPs simplify the insurance buying process and can save you money. However, make sure you understand the extent of coverage in any BOP you are considering. Not every type of insurance is included in a BOP. If your business has unique risks, you may require additional coverage.
Business & Commercial Coverage Options*
General Liability Insurance – Covers legal hassles due to accident, injuries and claims of negligence. These policies protect against payments as the result of bodily injury, property damage, medical expenses, libel, slander, the cost of defending lawsuits, and settlement bonds or judgments required during an appeal procedure.
Commercial Property Insurance – Covers everything related to the loss and damage of company property due to a wide-variety of events such as fire, smoke, wind and hail storms, civil disobedience and vandalism. The definition of “property” is broad, and may include stock, inventory, furniture, office equipment, lost income, business interruption, buildings, computers, company papers and money.
Business Interruption – Provides protection for a temporary shutdown of your business due to a covered cause of loss. It provides coverage for loss of income or extra expenses you incur to resume operations.
Workers’ Compensation Insurance – Businesses with multiple employees often need Workers’ Compensation insurance included in their business insurance. It can help pay for things like the medical costs and lost wages of employees who become ill or injured while on the job as well as protect your business with limits on liability for on the job injuries.
Product Liability Insurance – Protects against financial loss as a result of a product defect that causes injury or bodily harm.
Professional Liability Insurance – Also known as Errors and Omissions (E & O) insurance. Protects your business against malpractice, errors, and negligence in provision of services to your customers. Depending on your profession, you may be required by your state government to carry such a policy. For example, physicians are required to purchase malpractice insurance as a condition of practicing in certain states.
Directors & Officers (D & O) Insurance – Provides financial protection for the directors and officers of your company in the event they are sued in conjunction with the performance of their duties as they relate to the company. Think of D & O Insurance as a management Errors and Omissions policy.
Home-Based Business Insurance – Homeowners’ insurance policies do not generally cover home-based business losses. Depending on risks to your business, you may add riders to your homeowners’ policy to cover normal business risks such as property damage. However, homeowners’ policies only go so far in covering home-based businesses and you may need to purchase additional policies to cover other risks, such as general and professional liability.
Additional Business & Commercial Coverage Options
- Accounts Receivable
- Arson Reward
- Automatic Seasonal Increase
- Depositors Forgery
- Employee Dishonesty
- Money & Securities
- Newly Acquired or Constructed Property
- Outdoor Property
*See specific policies for coverage, limitations & exclusions
We Cover Most Types of Businesses Including
- Self Storage
- Auto Repair Shops
- Auto Towing
- Tire Shops
- Boat Charters
- Pro Anglers
- Auto Body Shops
- High Tech
- Fitness Centers
- Barber/Beauty Shops
- Bars and Taverns
- Car Washes
- Condos/Town Homes
- Pest Control
- Consignment Shops
- Convenience Stores
- Day Care Centers
- Flower Shops
- Flea Markets
- Grocery Stores
- Martial Arts Studios
- Camp Grounds
- RV Parks
- Pawn Shops
- Pool Halls
- Retail Shops
- Pet Stores
- Furniture Stores
- Tanning Salons
Don’t see your type of business listed? No worries. This isn’t a complete list. We work with dozens of insurance companies and we can cover most types of businesses. Call us M-F 8am-5pm at (850) 939-7777 or Toll Free at (866) 939-1777 to discuss your needs and a get a quote or click here to request a quote online.
We Work with the Top Commercial & Business Insurers in Florida
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call us from 8am-5pm Mon-Fri at (850) 939-7777.