Answers to Your Business Insurance Questions

It covers direct physical loss or damage to business-owned buildings, contents, and equipment caused by covered perils like fire, theft, or windstorm. It may also include business income coverage.

It protects against third-party claims for bodily injury, property damage, and personal or advertising injury resulting from your operations. It includes legal defense and settlement costs.

Also called errors and omissions (E&O), it covers claims of negligence, misrepresentation, or failure to perform professional services. It’s essential for consultants, agents, and service providers.

Yes. Florida law requires most employers to carry workers’ compensation to cover medical care, lost wages, and rehabilitation for employees injured on the job.

It provides liability and physical damage protection for vehicles used in business. Coverage includes collision, comprehensive, and uninsured motorist exposures.

It helps replace lost income and covers ongoing expenses when operations are halted due to a covered cause of loss, such as fire or hurricane.

A BOP bundles property, general liability, and business interruption coverage into one package for small to mid-sized businesses, offering convenience and cost savings.

It covers property in transit or mobile equipment not tied to a fixed location. Ideal for contractors and businesses with tools or goods on the move.

It protects against data breaches, ransomware, and other cyber threats. Coverage may include notification costs, legal fees, and regulatory fines.

It provides excess liability coverage above the limits of your primary policies, such as general liability or auto, helping protect against large claims.

EPLI covers claims of wrongful termination, discrimination, harassment, and other employment-related issues brought by employees or job applicants.

It covers the cost to repair or replace machinery and systems damaged by mechanical failure, electrical issues, or pressure-related incidents.

It protects against financial losses due to employee theft, fraud, forgery, and other dishonest acts. It’s vital for businesses handling cash or sensitive data.

This covers liability when employees use personal or rented vehicles for business purposes. It protects your business if held responsible for an accident.

It covers claims related to bodily injury or property damage caused by products your business manufactures, sells, or distributes.

It refers to the responsibility a business has for injuries or damages occurring on its property. General liability policies typically include this coverage.

Fidelity bonds protect against losses caused by dishonest acts of employees, such as theft or embezzlement. Often required in financial and service industries.

Start by assessing your operations, assets, and exposures. A licensed agent can help identify risks and recommend policies tailored to your industry and size.