Coverage That Works as Hard as You Do
Business insurance solutions built for Florida companies of all sizes.
Comprehensive Commercial Insurance Solutions
Whether you need a standalone general liability policy, an all-inclusive BOP (business owners policy), a commercial auto policy (for one vehicle or a fleet), a commercial umbrella policy, or a professional liability policy, we can help. We are in the business of protecting your business!
Common Commercial Policy Type Descriptions
Commercial General Liability Insurance
PROTECTING YOUR BUSINESS FROM LIABILITY ISSUES
A Commercial General Liability (CGL) policy protects your business from financial loss should you be liable for property damage or personal and advertising injury caused by your services, business operations, or your employees.
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https://www.iii.org/article/commercial-general-liability-insurance
Business Owners Insurance
Property insurance for buildings and contents owned by the company — there are two different forms, standard and special, which provide more comprehensive coverage.
Business interruption insurance covers the loss of income resulting from a fire or other catastrophe that disrupts the operation of the business. It can also include the extra expense of operating out of a temporary location.
Liability protection covers your company’s legal responsibility for harm it may cause to others. This harm may result from actions you or your employees take—or fail to take—in business operations, including bodily injury or property damage due to defective products, faulty installations, or errors in services provided.
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https://www.iii.org/article/what-does-businessowners-policy-bop-cover
Commercial Auto Insurance
WHAT IS BUSINESS VEHICLE INSURANCE?
As a business owner, you need many of the same insurance coverages for cars, trucks, vans, or other vehicles used in your business as you do for vehicles used for personal travel.
Your Business Owners Policy (BOP) does not provide coverage for vehicles, so you must have a separate policy.
Most states require liability insurance for bodily injury and property damage resulting from vehicle accidents occurring while driving for business purposes. Many states also require uninsured/underinsured motorists coverage and/or medical payments coverage (known as Personal Injury Protection (PIP) in some states).
You can also purchase physical damage coverage for vehicles your business owns, leases, or hires.
The Business Auto Coverage Form (BACF) is the most commonly used contract for providing business auto liability insurance. Although the form refers only to “autos,” the definition includes cars, trucks, trailers, vans, or other vehicles designed for use on public roads.
Each vehicle used in your business can be separately “scheduled,” or listed on your policy, along with corresponding coverage. You can choose different coverage options for each vehicle based on its characteristics and usage.
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Commercial Property Insurance
Commercial Property Insurance helps protect buildings your business owns or leases, as well as business personal property such as tools, equipment, inventory, and furniture.
A commercial property insurance policy may also include coverage for assets like accounts receivable, computers, and lost income when business operations are suspended due to a covered loss.
Businesses can tailor coverage to include additional protection such as valuable papers and records coverage, which can help pay to reproduce important documents, provide temporary storage, and move records to prevent loss.
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Commercial Umbrella Insurance
Umbrella liability insurance protects you when accidents happen and your existing liability insurance policies cannot cover all expenses. It picks up where business auto liability, general liability, or other liability coverage stops, providing extra protection against bodily injury and/or property damage.
Whether you need a stand alone General Liability policy, an all inclusive BOP (Business Owners Policy), a Commercial Auto policy (for one vehicle or a fleet), a Commercial Umbrella policy, or Professional Liability policy we can help! We are in the business of protecting your business!