Florida Commercial Insurance Coverage
As a business owner in Panama City, Panama City Beach or Mexico Beach, you know how easily insurance costs can eat up your profits. That's the bad news; the good news is that by investing a small amount of time, you can find cheaper policies that could save you hundreds of dollars a year.
At Don Hood Insurance Agency, we're independent agents which mean we aren't tied to selling you insurance from a single provider. We shop around to find the best policy for your needs and budget. We also take the time to understand your business and make sure that everything is adequately insured, and that you understand the basics of your policy.
Some of the commercial business insurance policies that are available to you are:
Florida Commercial Auto Insurance
If you have business vehicles, you need to protect them just as you do your personal ones. Your company owned vehicles may need different types of coverage including liability, collision, comprehensive and medical payments.
Florida Commercial General Liability Insurance (CGL)
As soon as you open your doors for business you run the risk of someone getting hurt on your property, you are sued or you run into financial troubles. Commercial General Liability, or CGL, will pay for the losses due to property damage or injuries that happen on-site.
Florida Commercial Property Insurance
If you own a land on which your business is running, having commercial property insurance is a key to protect your inventory, possessions and the land itself. No structure is immune from disasters like fires, heavy winds, storms and break-ins, and when one of those eventually occurs, you'll be glad you have the coverage to keep you from having to go into debt to make the necessary repairs.
Florida Workers Compensation
For businesses that have employees, you'll need to look into the laws about how much workers compensation insurance you must have in the event a team member gets hurt on the job and needs to make a claim.
Florida Business Owner Package (BOP)
The perfect solution to the insurance needs of small to medium sized businesses, the BOP gives you property, liability and business interruption coverage. By buying the policies bundled together, you'll save money and know that you've got your bases covered.
To learn more about commercial insurance for your Florida business, contact an agent at Don Hood Insurance Agency today. As your local independent agency, we'll help you sort through the numerous policies to find the one that best fits the needs of your business.