Commercial Lines Division
Commercial Property
Protecting your commercial property is extremely important to your business. So is protecting them from a wide variety of unplanned risks. You can tailor a property insurance policy to help address the unique risks facing your business, and adjust coverage as your business grows.
Because one size does not fit all, our flexible property insurance policies are designed to meet your unique needs - covering buildings, personal property and time element exposures. With years of hands-on expertise, you can count on Commercial Risk to deliver cost-effective, tailored property insurance solutions. Some examples of business personal property can include stock, inventory, furniture, and office equipment.
Commercial Liability
Protecting your business in our litigious environment is a very complex business. The one thing we can all agree on is no one knows how much you will have to pay when the accident does occur. Making sure you are covered correctly is the key to business continuity. Let us help you structure the right coverage and the right limit for your business.
Examples of possible claim scenarios.
- A customer slips and injures himself in your store. The injuries result in costly medical bills and maybe even a lawsuit.
- While on the job, you accidentally damage a customer’s property and the repairs are costly. Should a claim like one of these be made against your business, then your commercial general liability insurance policy may help pay for the damages.
Workers Compensation
Federal Law requires businesses to maintain workers compensation insurance. Workers’ compensation insurance (workers' comp) provides benefits to employees for work-related injuries or illnesses including medical care, wages from lost work time, and more. Workers’ compensation insurance covers a deceased workers’ family with a financial benefit as well. If a workers’ family decides to sue the company, it can also help cover the related legal fees.
There are a number of ways to reduce the cost of workers' compensation. Allow one of our agents to discuss the options below.
- Safety Credit
- Drug-Free Credit
- Florida Contractors Credit
- Profit Sharing
- Flexible Payment Options
- Monthly Reporting
Commercial Auto / Fleet
Commercial Auto Insurance helps your business cover the financial costs resulting from an auto accident if you or an employee is found at fault. Commercial auto insurance helps pay for damaged property and medical expenses to third parties.
Commercial auto policies can be endorsed to include some very important coverage such as Uninsured Motorist - in the event you take a client to lunch and find yourself in an accident where the other vehicle is at fault without coverage or hired and non-owned coverage - if you ask an employee to drop off the outgoing mail on the way home and you find yourself defending the company because it was company business to drop off the mail.
Umbrella / Excess Liability
Primary liability policies can help protect your company in a range of situations, but there are times when a loss may exceed your limit of insurance, and thus leaving you without sufficient coverage. A Commercial umbrella or a commercial excess liability policy can provide the extra protection you need when an unexpected event does occur. From a devastating multi-million dollar lawsuit, to auto accident, to a product liability claim, running your business means planning for the unexpected.