Commercial insurance is essential to have because it protects your small business in case of a natural disaster or other unforeseen damage to your business. With the hurricane season in Florida in full swing, business owners are scrambling to ensure that they have the right amount of coverage. Many different scenarios can happen, and you want to make sure you are prepared when that happens. After all, your business is your bread-and-butter, and you’ve probably put your heart and soul into building it up. Why see it all destroyed by a fire, flood, or mold damage. A fire and water damage from a hurricane can destroy your storefront and your furnishings and electronic equipment inside. That’s thousands and thousands of dollars in damage that you can’t imagine paying out of pocket. Suffice it to say that without purchasing commercial insurance, you may be looking at a major financial downfall if a devastating hurricane strikes. That’s why you need a professional commercial insurance agent like Coastal Choice Insurance to provide you with quotes from all the major insurance carriers. We provide an invaluable service of comparing all of the different companies, so you don’t have to. We will give you the best price that you can afford.
A commercial insurance agent in Florida can generally offer coverage form that may include different scenarios. Let’s take a look at four of the most common types of commercial insurance:
Property Insurance. The most common type of commercial insurance is property, which covers you from fire, and water damage from a natural disaster. This policy also covers the property in case of criminal activity such as theft, vandalism, and natural disasters.
General Liability insurance. This type of commercial insurance covers you if a product you sell to customers causes bodily harm or damage to their property. All businesses must have this type of coverage to operate in the state of Florida. This covers you in case you are hit with a lawsuit by a client. This type of coverage will cover your lawyer and court fees.
Professional Liability Insurance. This type of coverage is often referred to as Errors & Omissions Insurance. Professional liability insurance protects you if a client sues your business for professional services rendered that caused them bodily harm or property damage. General liability insurance does not offer this type of coverage.
Workers compensation. Worker’s compensation refers to insurance that covers on-the-job injuries to your employees. This insurance is an absolute necessity because it is also required by law. This type of insurance offers coverage to your employees if they get hurt or seriously injured. Your employees will also have to sign a waiver acknowledging that they will not sue you for any injuries you’ve suffered to get worker’s compensation.
Your commercial insurance agent in Florida can suggest many different types of commercial insurance. Acquiring commercial insurance to protect your business makes sense. Coastal Choice Insurance, a leading insurance agent covering the entire state of Florida, can help you secure the best most affordable policies and coverage.
Ready to find out more?
Coastal Choice Insurance is a commercial insurance agent dedicated to helping business owners like you secure the necessary amount of insurance coverage you need in case of a natural disaster such as fire, hurricane, tornado, flooding and mold, and other damages to your business such as theft and vandalism. We also provide worker’s compensation insurance quotes, so your employees are protected from harm. Rest assured that we will compare and provide you with insurance quotes from companies that you can afford. If you are not happy with your present business coverage or are looking for new coverage, don’t hesitate to reach out to the dedicated and informed team at Coastal Choice Insurance. We’ve been serving the entire state of Florida for many years and would like to help with all your insurance needs. Call today at (877) 778-9295.