Commercial Insurance


Protect Your Business

In order to succeed in a competitive market, a business must minimize risk to the greatest extent possible. With the right commercial insurance policy, you can protect your investment from any number of possible threats. No matter whether the damage was caused by fire or as a result of the third-party liability of your employees, commercial insurance provides you the peace of mind you need to remain focused on running your business.
LEARN MORE ABOUT BELOW:
 
  • Commercial Property Insurance
  • Commercial Liability Insurance
 
  • Commercial Automobile insurance
  • Commercial Umbrella Insurance
 
  • Professional Liability Insurance
 
We also consult on the following types of commercial insurance:
 
  • Business interruption insurance
 
  • Builder's Risk insurance
 
  • Equipment floater insurance
 
 

Commercial Property Insurance

 
From business proprietors to landlords, commercial real estate owners are subject to a variety of risks: Fire damage, vandalism, water leaks and damage caused by environmental factors, to name a few. These can have negative effect on net income and may even jeopardize the existence of small businesses.
Schedule a consultation today to pinpoint how best to protect your commercial real estate.
We also consult on the following types of commercial property insurance:
 
  • Builder's risk insurance
  • Electronics insurance
 
  • Machinery insurance
  • IT insurance
 
 
Shaking hands — Insurance in St Petersburg, FL
 
 

Commercial Vehicle Insurance

As a business owner, you need a different kind of insurance coverages for the car you use in your business as you do for a car used for personal travel — liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the “principal insured” rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.
Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.
While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask us to explain all the differences and options.
 
Injured construction worker — Insurance in St Petersburg, FL
 

General Liability

Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.
General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.
 
Broad Range of General Liability Protection
  • Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury
  • Property Damage coverage for the physical damage to property of others or the loss of use of that property
  • Products-Completed Operations provides liability protection (damages and legal expenses up to your policy's limit) if an injury ever resulted from something your company made or service your company provided
  • Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents
  • Contractual Liability extends to any liability you may assume by entering into a variety of contracts
 

Professional Liability Insurance

In today's society, it's no secret that managing a business puts you at risk to a wide range of liabilities. The moment a customer sets foot on your premises, you are liable for any harm that may befall him or her.
A third-party liability policy can protect you from third-party claims of personal injury and property damage occurring as a result of your business activities. Coverage also applies to your employees, whom you are responsible for when they are at work.
We also consult on the following types of professional liability insurance:
  • Product liability insurance

Call 727-896-0006 to Get Your Personalized Insurance Quote