What Type of Business Insurance are You Looking For?

What is General Liability Insurance?

General Liability covers the general risks, such as bodily injury or property damage of your clients, whether they occur on your business premises or due to your business operations. Evidence of General Liability Insurance is usually requested to enter contracts, acquire professional licenses from local governments, and renting office space.

What is Commercial Auto Insurance?

Commercial Auto Insurance covers your business fleet (1 or more units) from physical damage and/or bodily injury resulting from traffic collisions or other hazards. Commercial Auto Insurance refers to passenger vehicles, cargo vans, pickup and utility trucks, food trucks, long-haul, and trailers. Some coverages may be required by law. Others are optional.

  • Bodily injury liability
  • Medical payments or Personal Injury Protection (PIP)
  • Property damage liability
  • Collision
  • Comprehensive
  • Uninsured motorists

What is Professional Liability Insurance?

Professional Liability Insurance, also known as E&O (Errors and Omissions), protects the professional advice of accountants and CPAs, financial advisers, home-healthcare professionals, and others.

What is Commercial Umbrella Insurance?

Commercial Umbrella extends your liability coverage in the event of a claim that exceeds the limits of your General Liability, Commercial Auto, and Commercial Property.

Commercial Property Insurance protects your business’ physical assets such as your building, inventory, documents, computers, and machinery. Wind and flood can be optional coverages, but should be included.

What is Commercial Property Insurance?

Commercial property insurance protects your company’s physical assets from fire, explosions, burst pipes, storms, theft and vandalism. Earthquakes and floods typically aren’t covered by commercial property insurance, unless those perils are added to the policy.

What does Commercial Property Cover?

Commercial property insurance covers your building, everything in it and just outside of it. Here are some examples:

  • Computers
  • Furniture and equipment
  • Exterior signs
  • Fence and landscaping
  • Important documents
  • Inventory
  • Others’ property

What is Workers’ Compensation Insurance?

Workers’ Compensation is a form of insurance required by law based on your type of industry. Construction operations are required to have it with only one employee. All other industries are required to have it once they reach four employees. In the State of Florida, Workers Compensation has exclusive remedy. This means that no claim can exceed the limit of the policy.

Hard To Place Workers Compensation

Many companies today are experiencing difficulties finding Workers’ Compensation due to their type of work, losses history, and number of employees. If you are experiencing this situation, call our agency and we will refer you to BrightComp.

BrightComp is one of the largest Workers’ Compensation brokers in America with 20+ years of experience in the industry. They work in all 50 states tailoring programs for transportation, towing, and high-risk operations, including one man and start-up companies.

Call Us Today (904) 356-1492