Business & Commercial Insurance
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Business & Commercial Insurance Information
Miami Business Insurance Solutions
If you own or operate a business in South Florida, it's essential that you protect it financially. There are a wide variety of risks out there that threaten your company's financial viability, but business insurance coverage can help keep you protected and keep your doors open. Get started with a free quote today!
Here are some coverage options commonly found within a business insurance portfolio.
Commercial Auto Insurance
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 your insurance agent to explain all the differences and options.
General Liability Insurance
If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.
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.
Workers Compensation Insurance
Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.
Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation Insurance is designed specifically for injuries sustained on the job.
In Florida, you are required to carry Workers Compensation Insurance coverage if you have four or more employees. Even if you don't, it can be a very good idea, particularly if your employees are engaged in hazardous activities.