Hall Insurance is a trusted insurance provider that can help Panama City Beach, FL businesses get the protection that they need. Over the years, we’ve matched companies with various commercial insurance properties and can help you find the coverage options that make sense for you.

Commercial Insurance Policies You Need to Get 

When buying your commercial insurance, you should bundle various types of protection into one package to streamline your experience. Doing so can ensure that your business is protected and minimize various types of issues. Just a few options that make the most sense for you include:

• Property Insurance: This policy protects all of your business property, including equipment, computers, documents, buildings, and other structures. It helps against risks like fires, vandalism, and theft.
• General Liability Insurance: If you cause injuries to your customers or other third parties (either physically or financially), liability protection will pay for any money you owe them. 
• Umbrella Insurance: Higher-risk businesses likely need umbrella coverage, an extra level of liability protection that pays for extra costs after a standard policy maxes out.
• Errors and Omissions Insurance: Do you give advice or various types of personal service to your customers? This coverage will protect you if you make a mistake that affects them. 
• Product Liability Insurance: Any business that sells products should seriously consider this type of protection to avoid serious issues if their products fail unexpectedly.
• Workers’ Compensation Insurance: Florida law requires you to have workers’ compensation to help your employees after injury, so make sure you keep your policy up to date.
• Other Policies to Consider: Don’t neglect options like employer liability, business interruption, commercial auto, D&O, contractor liability, and bond coverage for your firm.

We’re Here to Help!

Our crew at Hall Insurance have years of experience working with Panama City Beach, FL businesses. We can help you find these and other commercial insurance policies and keep you safe. Please don’t hesitate to contact us to learn more about which options may work best for your needs.

At Hall Insurance, we help you determine whether you need commercial car insurance for the personal vehicle you use on the job. We serve the greater Panama City Beach, FL community, and we are experts who know that that decision can be complicated. 

If you use your personal vehicle just to drive to and from work, you’re okay with a personal auto policy. But under most circumstances, when you use your personal vehicle while on the clock, you need a commercial auto policy.

Policies for Employers and Employees

As an employer who drives your own personal vehicle, talk to us about insurance that does not only protect your vehicle in the event of a collision. There may be a policy to protect your business assets if you or an employee is in an accident while driving a personal vehicle. As an employee, do not assume that if your employer has commercial auto insurance you are covered. 

Why Learn More About Commercial Car Insurance

Florida law mandates that all who have a commercial vehicle policy also have personal injury protection. This coverage pays for medical bills or funeral expenses due to injury or death if someone else is injured in an accident when you are the driver.

Be Specific About How You Use Your Vehicle

For us to know what coverage you need, we ask detailed questions about how you as an employee or an employer use your personal or business vehicle. Failure to let your insurer know exactly how you use your vehicle when you purchase insurance could result in any claims not being paid.

We Are Here To Help

Hall Insurance competently serves clients in and around Panama City Beach, FL. Reach out to us for your commercial insurance needs.

On your way to work, have you ever wondered if that hospital over there has insurance? They certainly ask for yours, don’t they? How about that farm? Is the land insured or just the buildings? You’re pretty sure they’re all covered by some type of insurance, but what type? Hall Insurance in Panama City Beach, FL is happy to help.

Insurance Coverage For Commercial Properties

Commercial insurance relates to buildings and land that serve a commercial purpose. This could include hospitals, office buildings, retail stores, Sam’s Club, warehouses on the river, doctor offices, hotels, farms, and apartment buildings to name just a few. What else does commercial insurance do?

What About The Grass Upon Which A Business Sits?

Earthquakes and floods aren’t rare. They are infrequent enough, though, that insurance companies ask for flood insurance as well as earthquake insurance for your business. 

Hurricanes, on the other hand, are regularly scheduled, so to speak. There’s a warning when one is approaching an area. There are things to do that help protect a building in a hurricane, quite unlike flooding or an earthquake. Thus, most commercial insurance covers hurricane damage. 

Are Empty, Dilapidated Buildings Insured?

Empty warehouses, barns, shopping strip buildings, and other seemingly abandoned structures stand empty for many reasons such as financing. However, they, too, are susceptible to fire, theft, flooding, and other destructive events. Commercial insurance is a good idea if the owners don’t want to lose their money.

Does Commercial Insurance Deal With Mold Or Dry Rot?

Mold can be caused by leaking pipes. Dry rot, fungus, and mold are generally covered only if it’s caused by a circumstance described in the policy. 

Reach Out To Us!

Hall Insurance wants your Panama City Beach, FL commercial property to be well protected. Come in and talk to us or call about commercial insurance. We’re glad to help.