Business & Commercial Insurance
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Business & Commercial Insurance Information
Insurance for Businesses Across Florida
Business owners are required to take on a lot of responsibilities throughout the process of starting and maintaining a business. If you are starting a business or simply looking for new coverage, you will want a reliable business insurance policy to cover your assets.
North FLA Agency works personally with business owners in Florida across industries to provide high-quality service and reliable business insurance policies. We will help you find and tailor a business insurance policy specifically for your business’ risk, so you can operate without worry.
What Does Business Insurance Cover?
Depending on your industry, there are many types of business insurance policies available to cover both general and specific risks your business may face. Some of the common insurance policies available through North FLA Agency include:
General liability insurance helps cover claims against your business concerning:
- Bodily Injury: Coverage for bodily injury can provide compensation for medical bills someone may suffer after injury on your business’ property. It can also cover lawsuits related to the injury.
- Property Damage: Coverage for property damage can provide compensation for repairs or replacements if someone’s property is damaged on your business’ property. It can also cover lawsuits related to the damage.
- Personal and Advertising Injury: Personal and advertising injury refers to claims against the business concerning libel, slander, theft of an advertising idea, copyright infringement, malicious persecution or wrongful detainment.
You can expand your general liability insurance with an umbrella liability insurance policy, which fills in gaps left by your other liability coverages. General liability is also often added to a business owners policy (BOP).
A business owners policy (BOP) is designed to combine coverages into a comprehensive and affordable policy for small businesses. A basic BOP combines general liability and commercial property insurance, although additional coverages may be added. Coverages often available for a BOP include:
- Professional Liability
- Umbrella Liability
- Inland Marine Insurance
- Product Liability
Commercial auto insurance covers vehicles used or owned by a business for work purposes. Work vehicles are often used to transport equipment, take clients out to lunch or travel on business trips. A simple personal auto insurance policy may not cover these vehicles, so it is important to have a commercial auto insurance policy in place to protect your business’ assets.
Workers compensation insurance helps with expenses related to a workplace injury. If one of your employees is injured on the job, workers compensation can help pay for their medical bills, wage replacement and disability benefits.
Protect Your Business
Protect your business with a policy tailored to your needs. Speak with a dedicated agent from North FLA Agency at (904) 551-0627 or fill out an online quote form to get started.
Common Business Insurance Questions
As with other insurance policies, business insurance is purchased through monthly premiums. So long as the policy is active, you can file a claim and receive compensation for claims and damages related to your business.
The amount of insurance you need depends on your industry and the size of your business. Speak to an insurance professional at North FLA Agency to discuss your business insurance needs today.
Small businesses often choose a business owners policy (BOP) for coverage, as this is an easy and affordable way to combine coverages into a single policy. You can also tailor a BOP for your small business’ specific needs, depending on your industry and other factors.
Starting and maintaining a business requires a large amount of resources. A single claim without insurance could send your business into heavy financial turmoil. Insurance helps you bear the brunt of claims and accidents.