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The coverage you need where you work.
Small Business Insurance
Commercial Vehicle Insurance
Restaurant & Food Business
Top Risks Businesses Face
Property damage from fire, storms and accidents
Liability in many forms, including product liability, accident/injury liability, libel, malpractice and professional liability or “errors and omissions” risks
Fraud, embezzlement, extortion
Cyber-crime and data loss
Every business is different.
Our agents have the experience to get you the right combination of coverage for your enterprise.
Our Clients have a lot of options.
As an independent agency, we work with many quality insurance carriers to meet all your commercial insurance needs, even when you need specialty coverage, or several different policies from different carriers.
Our Agents Help You Identify Your Unique Risks
Every company, large and small, has unique risks. Some have workers who operate heavy machinery or drive vehicles while on the job, while others serve food and alcohol or handle toxic substances. Doctors and hospital staff handle patients, body fluids, sharp needles and equipment. Some employees handle sensitive documents, data, or money, potentially opening the door to business fraud. For this reason, every company needs commercial insurance coverage specifically matched to the risks of the enterprise.
Our Agents Create Your Unique Insurance Package
Every commercial operation needs business insurance, but your business will require a specific blend of coverage types. Our agents will be able to recommend a package combining the coverage types you need so you don't purchase coverage you don't need but you are covered when it comes time to make a claim.
We Work Hard for You
Contact us to schedule to visit your site, to discuss your business and goals and recommend the best combination of policies based on your property, employees, work environment, risks, security, customers, and more.
U.S. Small Business Stats
Do you employ fewer than 500 people?
If so, you are one of more than 27 million small businesses in the United States that range from incorporated, self-employed individuals to community banks and construction firms.
What is Small Business Insurance?
Small business insurance is an optional insurance plan that provides you with the coverage necessary to keep your business operational, especially in the aftermath of a catastrophe or a lawsuit. Catastrophes can include fires, major weather events, and accidents with extreme losses. Lawsuits can also devastate your business. These insurance plans can be customized to meet the inherent risks faced by your particular business.
Why should I get Small Business Insurance?
Nearly half of all businesses that are forced to temporarily stop operations because of a natural disaster fail within 5 years. Of those that are unable to resume operations within 10 days, nearly 80 percent close within one month. A solid business insurance policy can prevent this from happening by allowing your small business to remain profitable, even in the face of disaster.
What types of insurance do Small Business Owners need?
Very small businesses often do not have employees and are therefore exempt from insurance requirements. However, if your company does have employees, you may need consider workers compensation insurance, unemployment insurance, disability insurance, and medical insurance.
The risks associated with commercial use of a vehicle, whether it is personally owned or company owned, often call for higher policy limits and different policy provisions.
Cover your Company's Drivers and Vehicles
The risks you face as a business owner vary widely from liability concerns to workers compensation issues to the possibility that one of your workers could be responsible for an accident. If you have staff members who get behind the wheel, your commercial vehicle insurance will protect your business financially in the event of incident on the road.
Our agents can help you identify the right commercial vehicle policy for your needs. With a wide range of carriers, we can help cover every aspect of your business insurance needs.
Who needs Commercial Vehicle Insurance?
If you or your staff members use a vehicle for commercial purposes, you need a commercial auto policy, as your standard personal auto policy will typically not cover you for business use of that vehicle.
If you are not sure whether you need commercial vehicle insurance, or what kind and how much you need, our agents are happy to help. Our agents can advise you on the right coverage for your specific business needs.
Restaurant Fire Statistics
Fire is the most common hazards faced by restaurant owners, but a comprehensive restaurant insurance policy can help ensure your business is able to withstand catastrophes and remain profitable. Some insurance is required by law and some may be required by your financial institution if you have taken out a large business loan or a mortgage on the building in which your restaurant is housed. If you rent the building, you may be required to carry business insurance as a condition of your lease. In addition, restaurant owners have a number of liability risks. Restaurant insurance costs far less than a serious lawsuit might, so it is an especially good investment. Some examples of the of liability coverage options available are:
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Schedule a Free Consultation
We invite you to schedule an appointment with one of our agents so we can discuss your insurance needs and qualifications for money saving discounts. Please fill out the form below:
Two Locations to Serve You Better:
West Palm Beach, Florida
We look forward to meeting you soon!
West Palm Beach
420 NW 39th Avenue
Gainesville, Florida 32609
Monday - Friday
8:30 am - 5 pm
3379 S Military Trail
West Palm Beach, FL 33463
Monday - Friday
8:30 am - 5 pm
10 am - 2 pm