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Business and Commercial Insurance
Insurance for Florida Businesses - Click here for Quick Quote Form
Managing a business is hard work. It takes devotion and resources. As a business owner, one of your many responsibilities is to protect your company, employees and yourself from the many pitfalls that exist in business. Having business insurance is a great way to gain peace of mind.
What Does Commercial Business Insurance Cover?
There are several types of business insurance available to help protect small businesses. One of the most common policies is a business owner’s policy. This type of business insurance policy combines general liability and commercial property coverage into an adjustable and affordable policy for small businesses.
What is General Liability Insurance?
General liability insurance covers bodily injury, property damage, as well as personal and advertising injury. For example, if someone were to slip and fall and get hurt at your business, general liability insurance will help pay for their medical bills and even help protect your business if a lawsuit is filed against you. Personal and advertising injury provides coverage for claims related to libel, slander, wrongful conviction, malicious persecution, as well as copyright infringement.
What is Commercial Property Insurance?
Commercial property insurance covers the physical property and buildings owned by the business. This could be an office building and the contents. Commercial property insurance covers against loses due to fire, wind, hail, lightning, theft and vandalism.
What does Commercial Auto Insurance do?
Commercial auto insurance policies cover vehicles owned or used by a business for work purposes. Most personal auto insurance policy will not cover vehicles that are owned by a business. Commercial auto insurance policies provide similar coverage as personal auto insurance policies, but for commercial vehicles. The policy can include comprehensive coverage, collision coverage, liability, medical payments and uninsured/underinsured motorist coverage.