Business Insurance is vital to protecting your business during a typical workday, you and your employees take on various projects that may have certain risks. Whether it is property, personal, or financial.

Business insurance coverage not only takes care of fire, theft, vandalizm or natural disaster damage to the building, but financial loss and employee injury as well. Business insurance coverage is quite versatile. You can add things like a business fleet of vehicles or amend your plan to cover specific needs. Business interruption coverage is a type of business insurance that covers the expenses incurred as a result of storm damage, and even covers your ongoing expenses until you are able to open your doors to customers again.

There is always risk of a lawsuit no matter how cautious you are. That’s just how some of society works. Some of these unexpected risks are:

A customer slips and falls while in your store Someone uses your product and injures themselves as a result One of your drivers causes an accident and the other party is injured or killed One of your crew accidentally damages a customer’s home or vehicle while doing residential work

 

Have a fleet of vehicles for your business and looking to save money on ideal group coverage?  Commercial Auto Insurance may be just right for you. Alot of insurance companies offer competitive premiums with apprehensive coverage that is second to none. Reputable agents will work with you to get a list of vehicles in your fleet and empoyees whom will be driving them in order to build the best policy possible that fits your business needs.

Commercial Auto Insurance coverage includes personal liability, collission, property carried in vehicles and most legal expenses.

Florida is a state that experiences various forms of natural disasters. Homeowners Insurance can protect your home. Most insurance companies offer a wide array of homeowners insurance. Liability, property damage or even personal injury that has occured in your home or on your propety is covered.

Failure to have homeowners insurance in the event of an unexpected flood or injury could have extreme expenses that may leave you in financial ruins.

Car Insurance companies offer extremely competitive insurance rates. Agents deal with several of the main car insurance policy providers. As you may already know, Florida law requires you to have car insurance in order to legally drive your car.

Some types of car insurance are:

PIP-Personal Injury Protection covers bodily injury caused by an accident. This pays for any injury expenses even if your not at fault. State law requires that everyone carries at least $10,000 in PIP insurance. PD- Property Damage Liabilty covers damage to property caused by an accident. Like PIP, state law requires every driver to have at least $10,000 of PD coverage. BI- Bodily Injury Liability covers serious, permanent and even fatal injuries. Though not required by law, it is recommended to have especially if you have children or others that drive your car as well. BI car insurance will pay for injuries to others that were caused by you, or even members of your family that live with you. Not to mention legal expenses in the event an injured claimant decides to sue.

These are the most common coverages needed to legally drive your car in the state of Florida.

Don’t put your car, family or others at risk. Visit the Sarasota Specialty Insurance web site today.

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