If you are a small business owner needing the best commercial insurance policy for your business, you want to find the best most affordable policy. You spent a lot of time and effort building your business, so the last thing you want to do is spend hours on the phone or Internet searching for an insurance company to meet your business’ growing needs. Commercial insurance policies are all not alike, and the rates and policy coverage takes some research. That’s where Coastal Choice Insurance Agency comes in. In our many years of business in the Florida insurance industry, we have come to know the best policies at the most affordable prices. Our experienced commercial insurance agents in Florida are proud to pass those savings onto you. Remember, it’s not just a home that can suffer devastation from a major hurricane or a fire; businesses can suffer tremendously, leaving themselves, their families, employees, and vendors without work for weeks or even months. That’s why you need an experienced commercial insurance agent in Florida who knows the state’s different policies and what they cover.
How much commercial insurance do you need?
Opportunity for the small business owner in Florida is at an all-time high. Florida provides a thriving economic environment where the small business owner can flourish. And as such, a small business owner like you must obtain the right amount of commercial liability insurance coverage to protect your business from financial loss resulting from claims of injury or damage to you or your employees. At Coastal Choice Insurance Agency, our commercial insurance agents in Florida believe that finding the right insurance to help you cover your business costs and its assets shouldn’t have to be difficult. It shouldn’t take months and months to obtain. Our experienced commercial insurance agents in Florida take care of all that for you ensuring you have enough commercial liability coverage and the right coverage at the best premiums. For most small Florida businesses, a commercial liability insurance policy of $500,000 to 1 million is typical, and generally covers:
Property damage – damage caused by you or an employee to someone else’s property.
Personal injury – libel, slander, copyright infringement, invasion of property or privacy, wrongful eviction, false arrest, and similar acts that damage a person’s reputation or rights.
Bodily injury – physical harm to a person other than an employee at your place of business and injuries caused by you or an employee at a client’s home or workplace.
Legal defense and judgments – costs to defend lawsuits and judgments up to your coverage limit.
Other types of mandatory coverage for your small business include but are not limited to:
Workers Compensation Insurance. Protection for your employees should they become hurt on the job. This type of insurance is required for any Florida business with at least four full or part-time employees. For the construction industry, worker’s compensation is required for just one full or part-time employee. Different requirements apply to the agricultural sector.
Florida requires that all drivers carry minimum auto insurance coverage. If you use cars or trucks to help you run your business, a Florida statute requires that you purchase a commercial vehicle policy in Florida.
Get in touch with us today!
Coastal Choice Insurance employs highly-skilled commercial insurance agents dedicated to helping business owners like you secure the best commercial insurance coverage. Whether it’s a natural disaster such as fire, hurricane, tornado, flooding, and mold, or other damages to your business such as theft and vandalism, you can trust our team to provide the coverage you need most. We also offer worker’s compensation insurance quotes to be sure that your employees are protected from any workplace injury. Rest assured that our commercial insurance agents in Florida will compare and contrast companies to provide you with insurance quotes from those that offer the most coverage at a price 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 be happy to help with all your insurance needs. Call today at (877) 778-9295.