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Different Types of Commercial Insurance to Cover

As a business owner in Orange Park, FL, there are plenty of different commercial insurance options that you should be aware of. An agent at First Florida Underwriters Inc. can help you determine the best fit for your business.

Business Liability Insurance: Most businesses in Orange Park, FL should consider this insurance. It can protect you in the event a third party sues you. It covers the cost of legal fees and any settlements you have to pay. There are different types of liability insurance policies depending on your business.

Workers’ Compensation Insurance: This policy pays for medical care and partial wages for any employees who are injured on the job. If an employee dies from the injuries at work then this can pay for compensation to the family.

Property Insurance: This covers you from physical disasters, such as theft or fire. Depending on the coverage you choose, not only does it cover the building your business operates in but also the property within the building, such as inventory and furniture. This is especially important if your profit depends on having a physical location.

Commercial Auto: If you have cars owned by your business then you need a commercial auto policy. If you are using your own personal car for business then some auto insurance policies can exclude coverage for an accident if the car was actually being used for business purposes.

Business Owners Policy: This policy bundles different types of commercial insurance and is designed for a small business to get insurance at a lower price.

Business Interruption Insurance: If you have lost income due to property damage then this insurance can help reimburse you for salaries, rents, taxes, and net profits that would have been earned while your business was shut down and being repaired.

Contact First Florida Underwriters Inc. to get a quote on commercial insurance for your business.

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