Protect your business with Commercial Insurance today!

Commercial insurance, also known as business insurance, is coverage for businesses and corporations.

It is designed to cover not just the business, but its owners and employees too.

There are many types of businesses with varying needs and situations, and so there are many different types of commercial insurance.

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General Liability Insurance

Helps protect your business from bodily injury and property damage claims, which are risks that may arise at anytime during your operations.

These risks can be expensive, and many businesses do not have the resources to cover a liability claim.

Risks such as...

Bodily Injury:

Any bodily injury your business may have caused, like a customer slipping or falling.

General liability coverage can help pay for the medical expenses.

Property Damage:

Property damage from employee accidents, such as breaking a customer's windows while working on their home.

General liability coverage can help cover repair or replacement costs to fix the windows.

What does it cover? (General Liability)

Injuries to third parties
Damage to the property of third parties
Slander or damage to the reputation of third parties
Protection against copyright infringement and related claims

Helps you pay your legal cost if someone sues you for something you or the company was at fault for.

General liability insurance also helps cover administrative costs to handle covered claims, and court costs like judgments and settlements for covered claims.

Need more information? Call us at 786-347-1835 to speak with one of our experts.

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Workers' Compensation Insurance

How does it work?

If your employees have a work-related injury or illness, your workers' compensation insurance can help pay important benefits.

Includes care for repetitive stress injuries and ongoing treatments, such as physical therapy

Helps replace lost wages if you have injured workers who need time off to recover from a work-related
injury or illness.

Helps cover any permanent disabilities that prevents your employees from returning to work.

Helps cover funeral costs if a work-related accident results in the death of an employee.

What does it cover?

Medical treatment
Ongoing care
Lost wages
Funeral costs
Disability benefits

Helps you pay for you or your ill employees.

IMPORTANT: the state determines its classification code based on the type of work your employees perform.

The state also decides your number of experience modifications by comparing your company to others in your industry.
The cost of worker's compensation insurance is calculated by total payroll.

Ready to get started? Call us at 786-347-1835 to speak with one of our experts.

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Business Owner's Policy (BOP)

A Business Owner's Policy (BOP) combines multiple coverages like business property and business liability insurance into one business insurance policy.

BOP insurance includes...

Business Personal Property:

Which includes all the things you need to run your business:

Office supplies (pens, calculators, etc.)
Furniture (chairs, desks, etc.)
Electronics (smartpones, tablets, etc.)
Heavy machinery (forklifts, escavators, etc.)

Business Income Coverage:

Which helps cover the loss of business income if you are unable to operate due to a covered risk.

Covered causes of loss may include things like: fires, theft, hurricanes, etc.

Equipment Breakdown Coverage

Which protects you in the event of breakdowns caused by power surges, motor burnouts, boiler malfunctions and operator errors.

Equipment breakdown insurance covers all sorts of equipment:

Mechanical and electrical equipment
Computers and communication equipment
Air conditioning and refrigeration systems
Boilers and pressure equipment
New technology

Equipment breakdown coverage can pay for the cost to repair or replace the damaged equipment, as well as the loss of time and labor required for the repair.

What does it cover? (Commercial Property)

Commercial property insurance helps secure the future of your business. Helps protect:

Tools and inventory needed to perform daily operations
Losses caused by fire, lightning, wind and hail, or acts of vandalism.