Category Archives: Commercial Insurance

11 Business Insurance Quotes Florida

Florida Small Business Insurance Quotes

Are you wondering how to get an affordable Business Insurance Quotes Florida? The answer to that question might not be as straightforward as we would like it to be. However when it comes to protecting your business against potential legal liabilities please find below the 8 insurance plans your business should have.

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Business Insurance Quotes Florida

If you live and work in Florida, then you already know that the sunshine state is more than a paradisiac vacation destination. It is a growing hub of business, which serves as the connecting point for Europe and South America markets.

It is also a place which has seen more than its fair share of fierce and often destructive weather systems. These can (and have) devastate personal and commercial properties.

Save Money on Business Insurance in Florida

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A business insurance in Florida would serve as the first line of defense, thus protecting your business property and assets. This insurance coverage should include buildings, computers, equipment and various other assets. Also included in some policies is a protection against earning losses due to unforeseen business interruptions.

If nothing else, a Business Property Insurance is a must.

business insurance quotes florida

General Liability Insurance

This insurance protection, while dependent on several factors, is actually required in Florida. It offers coverage and help defend against third party property damage claims. These might include bodily injury suffered because of services and or products provided by the company, for both customers and business employees. Take the next step and ask us for a Business Insurance Quotes Florida.

Save Money on Business Insurance In Florida

Call us now to find out how: 888-913-6988

Commercial Auto Insurance

If you operate a vehicle for business, be it as the sole driver or the owner of a fleet of vehicles, commercial auto insurance is actually required for Florida businesses. Most importantly, this specialized commercial insurance covers all vehicles used for and by your business, including trucks, company cars, SUV's and Vans. Even if your employees use their own car for their work, you should consider carrying a non-owned liability coverage in case an employee drives a car without insurance. Click here for more information on how we can help you with and Auto Business Insurance Quotes Florida

Business Owner's Policy

This is a bundled policy which provides all state required coverages in one single package. Therefore, it is ideal as a business insurance in Florida and can be tailored to fit the particular requirements and realities of you business. Besides that, you can find great deals out there, and more importantly by contacting us for a Business Insurance Quotes Florida.

Worker's Compensation Insurance

Also known as workman's comp, this is one business insurance your company cannot do without as it is mandated by the state of Florida. This policy provides medical benefits and partial wage replacement for employees who suffer injuries whilst working. The added benefit of this insurance cover is that employees who accept the benefits provided by the policy also agree not to take legal action against your company.

Officer and Director Insurance

An insurance coverage that protects your business in case of monetary losses or damages caused by a director's, company's officer's or manager's actions. If said actions lead to a lawsuit, the policy will also help with legal defenses.

Professional Liability Insurance

This is one of several very important business insurance in Florida. A professional liability insurance provides protection against damages and or injuries that occur as part of the day to day running of a business. This policy will also help with legal bills if a lawsuit is initiated against the company.

Data Breach Insurance

A topic that is at the fore front of every news item today, and for good reasons. Indeed, this insurance protects against data breach when private personal information stored on a company's computing resource are compromised.

We hope the information above has served as an illustration on how how you should protect your business in Florida. Large or small, newly launched or already established, as a business owner, you should take steps to protect your company.

Save Money on Business Insurance In Florida

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Did you know that business owners can sometimes team up on insurance, if state laws allow it? Sound interesting? Here is an article by the Miami Herald you might want to read.

11 General Liability Insurance Florida

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Business Liability Insurance

GL, (General Liability Insurance), is a specialized insurance protection that businesses seek to protect themselves against a variety of claims such as:

  • Bodily injury and property damage liability
  • Personal and advertising injury
  • Property damage
  • Medical payments
  • Damage to premises rented to you

It is a business liability insurance which often go hand in hand with a Business Owners Policy (BOP).

Even though employers in the state of Florida are not required to carry insurance for every aspects of their day to day operation, certain types of insurance are indeed required. These requirements depend on the number of employees a company employs, whether vehicles are used for business.

Businesses can fall prey to a variety of lawsuits/legal challenges and a business liability insurance is one the first line of protection for professionals such as contractors.

Save Money on Business Liability Insurance

Call us now to find out how: 888-913-6988

General Liability Insurance for Contractors

Also known as Contractors Liability Insurance, this insurance plan serves as the first line of defense for you and the members of your team. It offers protection to your contracting business and safeguards your livelihood from unexpected financial loss.

The construction industry and all related contracting services have their fair share of operational risks. Whether your business has a storefront which customers can visit (and possibly get hurt while on your premises, or whether you work in people's homes by offering your painting, drywall, cabinet and all manner of contracting services, you could be held liable to products your install what my cause physical harm to the homeowner and his or her family.

For that reason, it is important that you consider purchasing a General Liability Insurance.

General Liability Insurance Florida

Cheapest General Liability Insurance Small Business

The answer to that question is simple and understandable. Out of the ten most devastating hurricanes in the US, a whooping 7 of them made landfall in Florida, six of them occurring in the years 2004 and 2005.

Notwithstanding the cost of damages in human terms, hurricane often leave behind a trail of devastation that can amount into the billion of dollars. As a whole, the sunshine state is still reeling from the effects of the Irma, a category 4 hurricane that hit the state in 2017.

In addition to Hurricanes, Florida also has to deal with a range of other disasters such as wildfires and tornadoes.

Most people look for ways to save money on goods and services they purchase, either of their own personal use or for their business. The same can be said for companies who need liability insurance. The best way to find cheap small business insurance is not as hard as it may sound:

  • Compare quotes
  • Bundle policies
  • Manage your risks

As a specialized insurance agency in Florida, we are often told by customers that a business insurance may be an investment they don't really need. Here is the reality of the situation though:

  1. Over 30 percent of small businesses are sued
  2. Nearly 70 percent of them said that their businesses suffered greatly from the expenses associated with having to defend against these lawsuits

If you think that lawsuits only happen to large companies, think again. Small businesses are often targeted by such legal challenges and face thousands of dollars in expenditure against all kinds of lawsuits, including the frivolous ones that may cost between $2000 and $5000.

Save Money on Business Liability Insurance

Call us now to find out how: 888-913-6988

Commercial General Liability Insurance

CGL (Commercial General Liability Insurance) was introduced in 1986 as a replacement for the "comprehensive" general liability policy. It is a specialized insurance protection issued to businesses in order to protect them against liability claims for property damage (PD), bodily injury (BI), completed operations, advertising and personal injury liability (PI).

Florida Business Insurance Requirements

In Florida, employers are requited to provide workers' compensation insurance for their employees. The specifics of these requirements are based on the number of employees, the industry and the entity organization.

For more information check https://www.myfloridacfo.com/division/wc/employer/coverage.htm

11 Florida Commercial Insurance Coverage And The Various Steps Business Owners Should Consider

Florida Contractor's Commercial Insurance

What falls under the scope of Florida Commercial Insurance?

 
There is more to Florida Commercial Insurance than merely ensuring that any commercial vehicle you operate in Florida is fully covered and insured. As such, we, at LNC Insurance Providers make a distinction between Commercial Insurance and Commercial Auto Insurance and work with A1 rated insurance companies to provide commercial coverage for the following products:

  • Truck insurance
  • Two truck insurance
  • Van insurance
  • Box truck insurance
  • Dump truck insurance
  • General liability insurance
  • Workers comp insurance
  • Contractors insurance
  • Business owner’s policy
  • Professional liability insurance

If you are reading this article, then you already know that being a business owner presents a range of challenges that can make or break a company. A lack of preparedness, namely a lack of a plan to acquire adequate insurance coverage for your business investment can indeed be one of many factors that could cause your business, any business to fail.

To that end, reaching out to the experts in Florida for Commercial Insurance Products could be the first and most important steps you can take right now to ensure that your company is properly and adequately protected.

Let's Talk About Commercial Insurance in Florida

Call us now and find out what you need to know.

What constitutes the right kind of Commercial Auto Insurance in Florida?

If you need to insure a fleet of vehicles, trucks or vans, we can write policies that will offer protection against liabilities for property damage and bodily insurance.

LNC Insurance Providers recommendation include physical damage and liability protection under a sound policy coverage particularly when certain circumstances may present situations where a personal auto policy coverage may not be sufficient.

What about General liability insurance in Florida

It is important to remember that under Florida state law, a Florida general liability insurance is indeed required for most business owners. Such policy coverage is designed to protect FL business owners from direct and indirect damages to other parties. The right liability insurance will help business owners pay for damages when they are caused by the action of your business, and or business representatives. A Florida general liability coverage will provide payment towards property damage and or personal injuries even when those affected involve visitors, customers, and or sub-contractors. Call us today and let us walk you through your options, including the various levels of insurance deductibles and policy limits.

Do you really need Workers comp insurance in Florida?

Certain types of industries do require employers to provide workers comp insurance. For example, in Florida, construction companies with one or more employees are required to provide worker’s compensation insurance to their employees.  Florida Farmers must also carry coverage when they employ five and more workers. Florida has specific requirements as to the types of legal entity in need of insurance coverage. There are differences for example between sole proprietorships who would be typically unable to receive compensation benefits under a policy that is issued to the sole proprietor and businesses established as parnethership.

Florida workers compensation insurance falls under a complex set of guidelines and we highly recommend you call us for more information.

[su_note]Questions about Commercial Insurance in Florida? Let Liz and her team of experts give you the answer that matters.[/su_note]

Florida Contractors Insurance

If you operate a Contractor's business in the state of Florida, then you know that irrespective of the types of services you and your employees provide to your local community, the failure to have adequate insurance protection could be catastrophic for your business. Accidents, human errors and other unfortunate incidents can have a devastating effect on contractors who do no carry a Florida Contractor's Insurance.

What about independent sub-contractors? It is important to realize that every 1099 contractors in Florida need adequate liability coverage even if they work for a company who is already covered.  Indeed, enterprising lawyers are known to go layer by layer in search of the one source that will provide their clients the most compensation.  It may be that the company you contract for will be the one targeted, but there are circumstances where you too might the subject of such an inquiry.

Here are a the independent sub-contractors we provide coverage for:

  1. Electricians
  2. Plumbers
  3. Roofers
  4. Masons
  5. Mechanics
  6. Carpenters

 

[su_note]Questions about Commercial Insurance in Florida? Let Liz and her team of experts give you the answer that matters.[/su_note]

Florida Business Owners Package (BOP) Policy

Over the past few years, businesses have come under increasing pressure to trim their running expenses in order to stay afloat. Companies can look for savings in a variety of ways and unfortunately, sometimes may decide to take a gamble on the inherent foundation of their business investment: Florida BOP Insurance

Protection you cannot afford to be without. In an ideal world, businesses would never have to rely on insurance coverage for expenses, liabilities and claims caused by the actions of themselves or those of the people they employ or even service.  The sad truth is that accidents do happen and sometimes these accidents may be so severe that the entire premise of a business survival may in the balance. A Florida BOP acts as a protection in case of such accidents and may be the difference between a business that survive a particular challenge and one that doesn't because of the luck of insurance.

[su_note]Questions about Commercial Insurance in Florida? Let Liz and her team of experts give you the answer that matters.[/su_note]