Business & Commercial Insurance

Business & Commercial Insurance Information

Insure All Business Insurance: Commercial Auto, General Liability and Workman's Compensation insurance information and free quotes for Businesses in Jacksonville, FL and the surrounding areas.

Commercial Auto

As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists.

More Info on Commercial Auto Insurances

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General Liability

If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.

More Info on General Liability Insurances

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Workers Compensation
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.

More Info on Workers Compensation Insurance

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Common Business Insurance Questions:

What Commercial Insurance Do You Need?

You must insure multiple features of your business and operations. That will naturally require more than once insurance policy. How can you do that both efficiently and affordably?

Some of the policies you might need include:

Commercial Auto Insurance
Workers’ Compensation
Other coverage based on your personal and industry risks

We will help you determine the who, what, when, where, why and how of commercial insurance. Whatever coverage you choose, you’ll always get targeted protection at budget-friendly prices.

Commercial Auto Insurance

Do you own a vehicle specifically for the business? Do you use your personal car on official business travel? If you answered yes to either question, you might need commercial auto insurance. It’ll insure your business’s investment risk in operating vehicles.

Some of the coverage in these policies might include:

Liability insurance: Your state will often require all drivers to carry this coverage. If a policyholder is at-fault for an accident, coverage can compensate third parties for their injuries, property damage or other settlements.
Collision coverage: Pays for damage to your own vehicle after an accident.
Comprehensive insurance: Pays for damage to your vehicle after non-accident damage. Covered incidents might include vehicle fires, theft, vandalism and weather damage.
Uninsured/underinsured protection: If another driver causes damage to you, they might not have adequate liability insurance. This coverage can pay the costs that person might owe you.
Medical coverage: If you get hurt, this coverage can pay for your medical costs.

Depending on the type of business and vehicles you operate, you might need other coverage, like inland marine, cargo or trailer protection. Ask your agent about any coverage more specific to your industry.

Workers’ Compensation

Workers’ compensation extends to the needs of employees who get hurt or sick on the job. It essentially works to supplement the income the affected parties might lose because of the accident. With coverage, an affected employee might get help with medical bills, rehab costs and other financial needs. That can help better ensure their recovery and eventual return to work.

Let’s say an employee falls on their way to the bathroom. They might break a bone, get a concussion or have other injuries. Because the injury happened in the course of their duties, the business might hold responsibility for the employee’s injuries. Regardless of whether the business was negligent in the accident, they often have to offer the employee workers’ comp. Most businesses in the U.S. have to offer this protection to their employees.

What will my business insurance benefits cost?

All of your different plans will have different costs, based both on the coverage you choose and the risk factors that the insurer assumes by covering you.

We understand that you might have concerns about the burden that your benefits will have on your overhead costs, but we are committed to working with you to get you the coverage that offers you the best value on the market.