Business & Commercial Insurance
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Business & Commercial Insurance Information
Fort Myers, Cape Coral and throughout Florida
If you have an automobile that is used for business purposes, which can include anything from running errands for the business, carting around customer items, or transporting goods for your business, then an accident that happens during any of these activities would be covered only if the vehicle was insured by a commercial auto insurance policy. In addition, if a theft or vandalism occurs and your automobile is holding client materials that are damaged or stolen, a commercial auto insurance policy would be the only policy type to actually reimburse you for the damages.
One big misunderstanding when it comes to realizing which individuals need to be covered by auto insurance is the assumption that if a business doesn’t own the vehicle in question, then a commercial policy is not necessary. If you are personally on the title of your automobile, but you or one of your employee’s drives it for commercial purposes, then you need to carry commercial auto insurance. Even employees who use their own personal automobiles for errands involving your business should be covered under a commercial policy.
At Pro Player Insurance Group, we regularly deal with both commercial and personal policies. We know firsthand what individual insurance policies do and don't cover. That's why we always make sure our commercial clients protect themselves, their employees, and their business by making them aware of the importance of selecting a commercial auto insurance policy that fits their company's needs. Give us a call today or request a quote, and let us make sure your company is covered!
Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade1. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage. General Liability also pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations. If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability.
Pro Player Insurance Group specializes in matching businesses with the most appropriate policies for their commercial insurance needs. If your company isn’t already covered by a general liability policy or if you would like us to review your current plan, please give us a call request a quote. Let us provide you with greater peace of mind and make sure your business is protected against the vagaries of fortune.
Broad Range of General Liability Protection
- Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury
- Property Damage coverage for the physical damage to property of others or the loss of use of that property
- Products-Completed Operations provides liability protection (damages and legal expenses up to your policy's limit) if an injury ever resulted from something your company made or service your company provided
- Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents
- Contractual Liability extends to any liability you may assume by entering into a variety of contracts
- Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types
Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.
Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.
In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.
If you want to stop putting your financial future at risk and buy workers compensation insurance, give us a call today.
1 - Source : Fulbright & Jaworski LLP 2012 Litigation Trends Survey