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In 2018 small businesses in Florida made $576.3 billion. Florida businesses are thriving. But a company's revenue could be negatively affected in a moment's notice. Without insurance, business claims have to be paid out-of-pocket, meaning they have to be paid out of your business’s revenue.
So if a pipe bursts and floods the sales floor or if a customer suffers an injury on the way out the door, you could suffer the financial consequences.
40% of small businesses are likely to experience a property or general liability claim in the next 10 years. Here are some things these companies have been using their insurance on:
There are a lot of moving parts to running your business. But insurance doesn't have to add to the complications. Florida business insurance will pay for covered claims so your business doesn’t have to. Business insurance gives you peace of mind knowing that you're fully protected from whatever may come your way. Here’s what a standard business insurance policy should do:
Sometimes, these coverages are not enough to properly protect a business against risk. Your business most likely faces unique risks and may need additional coverages.
To make sure you're properly insured, partner with an independent insurance agent. We can have someone on your side who understands your industry. You'll receive customized coverage that keeps your budgetary restrictions in mind.
A commercial insurance policy is not required for business owners, but certain aspects of it may be. For example, Florida businesses are required to have workers' compensation coverage — regardless of whether they have part-time or full-time employees. Additionally, employees must also carry commercial auto insurance, especially if they're driving company cars.
The requirements can get overwhelming. That's why you should talk with a local independent insurance agent to know what you absolutely need and what you should purchase to have full protection.
It primarily depends on how risky your business is. The riskier your business is, the higher your insurance will be. Here are two examples.
Business insurance rates are calculated using a number of factors such as the risks to your business property, your liability coverage needs, and the amount and types of coverage you want.
Policies can vary significantly by business industry, so it is best to talk with an experienced insurance agent when building a suitable and comprehensive policy for your business.
It’s usually wise to work with an independent agent in Florida since they have access to multiple insurance companies. Sometimes its difficult to find an insurance company who will cover your business.
Number of businesses in the US: 27,626,360
Burglary rate per 1,000 residents in the US: 3.76
Auto theft rate per 1,000 vehicles in the US: 2.29
|City||No. businesses||Burglaries / 1,000 people||Auto thefts / 1,000 cars|