Commercial Insurance in Florida

Owning your own business brings a unique sense of pride and accomplishment. However, owning your own business also brings along with it certain risk factors and responsibilities. You have invested a lot of time and money into your business and you want to make sure that investment is protected. We love taking the opportunity to educate business owners in Florida about how they can better protect their investments. Keep reading to learn more about commercial insurance and how it can protect you.

What Is Commercial Insurance?

Commercial insurance is a suite of insurance policies that can be combined to protect the special investments and assets you have in your business. Because a business owner is at a special kind of risk, this insurance acts as a protective layer in the event that there is a problem. Without this layer of protection, your income and your investments can be put in danger if there is a burglary, damage to your property or equipment or if there is a liability situation.

What Does Commercial Insurance Cover?

Commercial insurance can be customized to suit your specific needs, but in general commercial insurance will cover the following areas:

Physical Property- If your business operates a brick and mortar structure, then commercial insurance will kick in to protect the structure in the event that there is damage, fires, or burglary. Without this protection, repairs to your property or replacement of items and equipment will come out of your pocket. This can leave you financially vulnerable.

Vehicle Coverage- If you operate vehicles in your day to day business in Florida, commercial insurance will protect those vehicles as well as vehicle operators in the same way that traditional automobile insurance would.

Liability Coverage- Liability coverage will kick in if someone is injured at your business or as a result of your business or services. This includes coverage for employees who may get injured while working for you.

If you would like to learn more about commercial insurance, please contact our friendly staff today at Percheron Insurance Group