Staying in the know of the various commercial insurance options is a crucial part of owning a business within Panama City Beach, FL, with the right coverage allowing you to eliminate setbacks that arise from business emergencies. Below, Hall Insurance takes you through different commercial coverage options to consider getting for your Florida business.
General liability refers to coverage designed to protect your business from common workplace risks. These include customer injuries, damages to customer property, and legal fees arising from lawsuits. In addition to this, if your business is sued for libel or copyright infringement, general liability will help you take care of these claims.
Workers' compensation coverage provides protection when employees sustain injuries during their hours of operation. Whether your employees work on a part-time or full-time basis, this policy ensures that any costs of bodily injuries are taken care of.
Property coverage protects the psychical structure of your business buildings, along with the contents located in your premises. When perils such as fire, hail, theft, or vandalism result, property coverage ensure that your costs of repairs are taken care of as well as your replacement costs.
Businesses that own vehicles can also benefit from commercial auto insurance, with this coverage coming in handy when you or your employees get into an accident. It will pay for the costs of repair and replacements when the property gets damaged following an accident.
Professional liability insurance protects businesses that deal with consultation work, with companies such as legal and accounting firms being candidates for this cover. Due to the nature of work involved, firms in these areas may find themselves with negligence claims, with missed deadlines also resulting in lawsuits. When this happens, professional liability insurance will ensure that your legal fees are paid for and damages arising from these incidents.
Business owner's policy comprises general liability coverage and property insurance, providing businesses with one comprehensive plan. It protects businesses from customer injuries, damages to customer property, and property damage arising from covered perils.
Hall Insurance is the partner to call if you are a new business searching for commercial insurance or need to update your coverage to fit in with your Panama City Beach, FL needs. We offer customized commercial insurance policies to businesses around Florida.
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