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Business Insurance


Finding the best insurance plan to protect your business is one of the many important decisions a small-business owner makes. To determine your business insurance needs, you should review your property and risks. Your property is the building, possible equipment and inventory you own. Your risks are the financial responsibilities you have for the people and property your business employs.


Florida law requires business owners to purchase workers’ compensation for any non-construction business employing four or more people and any construction business with at least one employee and commercial automobile insurance for businesses that own, lease or operate a motor vehicle.


Commercial Insurance
Business auto insurance provides for bodily injury liability and property damage, as well as for injuries/damage the policyholder causes to someone else when operating a company automobile. Medical payments or Personal Injury Protection (PIP) for treatment of injuries to the driver and passengers of the policyholder’s car are also covered.


Commercial Liability
General liability is a broad commercial policy that covers general liability exposures of a business. Coverage typically includes product liability, completed operations, premises and operations, and personal and advertising injury. We recommend that all businesses operating have general liability coverage in place.


Workers Compensation
Coverage pays for medical care and physical rehabilitation of employees injured at work and helps to replace lost wages while they are unable to work. Additionally, this coverage protects an employer from being sued by an injured worker in most cases..

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