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business insurance florida

Business insurance Florida

Purchasing business insurance Florida services for the very first time?

Owning and operating your own business is one of the best ways to secure your financial future today.

Too terribly many people are discovering that the old “get good grades, go to good college, and get a good job” path isn’t quite what it was promised to be – and our modern economy shows just how difficult (and fast-changing) things are going to get in the future.

By owning your own business, you are going to be your own boss. You are going to be able to enjoy the profits your business creates, as well as all of the freedom that it allows you to take advantage of moving forward.

But you need to protect that freedom and those profits by purchasing the right business insurance Florida services – something that is nowhere near as simple or straightforward as it seems on the surface. Hopefully when you finish this quick guide you will have a better understanding of this particular process and can end up with the services that protect you completely.

Research everything

The very first thing that you are going to need to do (before absolutely everything else) is to outline exactly the kind of coverage that you are looking for in the first place. Not only are you going to need to know what basic levels of coverage you’ll need for your business, details that likely will be industry-specific, but you’re also going to need to make sure that you have a specialized coverage as well.

The next step in your research phase is to look at all of the different firms and organizations out there that can help you, and then interviewing at least five or six of them so that you can narrow the list down dramatically.

Only work with professionals

Your next step is to commit to only working with the very best of […]

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Top 9 Insurances that Your Business Should Have

When you are starting out with your new business, there are some insurance coverages that you should consider adding to your policies.  While not all of these coverages are required, they will provide the business insurance in Florida that will best protect you and your business.

Business Property Insurance

This business insurance in Florida protects your business property and assets, including any buildings, equipment, computers, and other assets.  Some of these policies also include additional protections against earning losses due to business interruption.

General Liability Insurance

This required business insurance in Florida covers your business against third party property damage or bodily injury that is caused by your services, products, or employees.

Commercial Auto Insurance

Commercial auto insurance is also required for Florida businesses.  This insurance covers all vehicles used by your business, including company cars, trucks, SUVs, and vans in the event of an accident.  If your employees use their own vehicles for work purposes, you should consider non-owned liability coverage in case the employee does not have insurance.

Business Owner’s Policy

This type of business insurance in Florida provides all state required coverages in a single package.  These policies can be tailored to your specific business needs, and can result in significant savings over purchasing each policy individually.

Worker’s Compensation Insurance

Workers’ […]

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Options for Small Business Insurance in Florida

Florida has one of the largest economies in the United States, which makes it a great place to start a small business.  However, you will need to make sure that you are aware of the insurance requirements that are in place, as well as the additional coverages that you may want to consider when opening your business.

Most small business insurance companies provide packages that are designed to address both the requirements stated by law, and additional coverages that provide protections that are unique to Florida.  The following are some of the most common options for small business insurance in Florida.


General Liability Insurance

These coverages protect you and your business from lawsuits or legal action that is brought against your company due to claims of loss, injury, property damage, slander, libel, or other reasons.  This coverage will assist with the costs associated with legal defenses, judgments, settlements, and lost income due to these claims.


Workers’ Compensation Packages

While workers’ compensation coverages are required for small business insurance in Florida, there are additional coverage options available.  These include increased liability coverages for legal expenses, protection for employees working in other states, and illness and injury protection.  Not all illnesses and injuries are included under the required amounts of small business insurance in Florida, so you will need to verify what your business should be carrying. There are also optional workers’ compensation coverages that provide financial support and funeral expense provisions for the families of those who are seriously hurt or killed while on the job.


Professional Liability Coverage

Professional liability coverage is designed to protect your business against claims of financial loss that occurs due to […]

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Florida Businesses Want Federal Medicaid Aid

TALLAHASSEE — Two business-backed health insurance coalitions sent a caution sign Wednesday in order to Florida’s employers about the effects concerning rejecting Medicaid expansion for the uninsured.

In the best nutshell: brace yourselves, this really is bad towards your business.

That they argue it if lawmakers consistently turn away an estimated $51 billion inside federal finances to purchase expanding Medicaid protection, businesses might limit growth, businesses might flee to states among more competitive health insurance coverage markets and whatever firm remaining standing that will pays towards well being insurance does see it is premiums rise because hospitals and doctors move losses to them.

“That it might additional your upward force of expense change in order to their commercially-insured patients,’’ said William Kramer, healthcare policy expert off the Pacific Business team upon well being in a conference phone with reporters. their coalition signifies big companies in 50 states — starting Walt Disney firm, Target, Walmart plus Boeing to Wells Fargo. Quite simply, healthcare reform won’t minimize expenses for employers plus employees in Florida, this does improves costs, they mentioned.

Florida lawmakers adjourned inside very early may perhaps without using action on drawing all the way down the federal Medicaid finances. They usually have until Jan. 14, 2014, to choose.

Meanwhile, House Speaker Will Weatherford and Senate President Don Gaetz are touring the say for upload-session city hallway meetings and now have stated that they have no plans in order to deal with Medicaid expansion quickly.

“It’s really annoying in order to see there hasn’t been whatever conversation,’’ stated Karen van Caulil, president concerning the Florida healthcare Coalition which represents a few of the state’s largest businesses, inside the best meeting contact organized with the League of Females Voters.

Kramer […]

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Florida Business Insurance 101

Florida Business Insurance

When you own a business, you have to make sure you know what your options are to protect yourself.  Florida business insurance is an important decision that you have to make, but there are many options available.  This article will explain the different types of coverage available to you as an owner so you can choose the best options for your needs.

Business Liability

A liability policy provides coverages that protect your business from financial losses if someone is injured or incur property damages as a result of your business or employees.  This type of Florida business coverage generally includes the following types of coverages:

  • Bodily Injury – This coverage pays for bodily injury that occurs to someone that is not an employee, or injuries that are the result of your or your employee’s actions at the client’s workplace or home.
  • Property Damage – Provides coverage for any damages to another person’s property that is caused by your employees or you.
  • Personal Injury – This type of coverage covers any damage that is caused to another person’s rights or reputation as a result of slander, libel, invasion of privacy, copyright infringement, false arrest, invasion of privacy, or other similar acts.
  • Advertising Injury – Covers any losses that occur due to your advertising
  • Judgments and Legal Defense – Provides coverage for legal costs that are incurred as the result of judgments and lawsuits that are brought against your company, including frivolous suits.  This coverage does not typically protect you from costs that are associated with willful misconduct or negligence.

Florida liability business insurance is not a requirement, […]

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Tips For Insuring Your Business This Fall

Business owners—do you have your business insurance sorted out for the fall season? Have you, in fact, made sure that your business is insured for the entire year? With the many problems that can arise from working with a business throughout the year, it’s not only smart to get some kind of business insurance policy, but it’s also required for all businesses across the United States.


A look at business insurance


The term business insurance itself encompasses the different insurance coverage options for business owners who want to make sure that their business loses no ability to continue operating as-is. It essentially provides businesses various degrees of protection to make sure that business owners and their businesses are covered against losses, damages and/or liabilities.


Business insurance works differently when compared to homeowners insurance and even car insurance. When you get a business insurance policy, you’re essentially investing in an insurance policy that operates upon covering risks.


When it comes to operating a business, any kind of business, the prospect of risk is a very real one, one that more or less determines what a business owner needs to protect themselves against. If a business owner can foresee potential risks, their insurance policy can make sure they’re covered in the case of an emergency.


So, what happens if a business owner isn’t covered in case of an emergency? Take this: most business owners assume that just because they’re making profits, that they’ll be ‘covered enough’ in the case of an emergency. After all, it’s those funds that can help replace and/or fix losses from so and so’s business property.


The thing is something like that is a lot more unattainable than you might think. Even though your business is in […]

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Why You Need Business Insurance

Many owners go into business and merely expect to only take care of some legalities before opening.


Owners, whether they’re operating a small or medium sized Florida business, need to place a large emphasis on what’s known as business insurance. It merely provides protection for businesses on any size, particularly in cases when things go wrong.


This type of coverage refers to any policy that’s designed to protect you against operational losses. The type of losses covered by policies generally depend on the providers, the policy’s wording and, most importantly, the limitations imposed by a policy holder’s location.


Although it does sound like it’s a type of ‘all inclusive’ coverage, it actually describes several different types of policies that are designed to supplement various types of companies with coverage. So, any owner who needs to find a good policy for their business actually has several options to help cover their operations that much better.


There’s no excuse


When it comes to auto and homeowner’s coverage, many people don’t think twice about securing a good policy, as many people wouldn’t have the funds to completely replace their car or their home when something happens out of the blue.


Business coverage works much like that. Since there are many unexplained and unexpected risks that happen when running a company, it’s only natural to make sure that you have some type of coverage to cover losses and other legalities when they happen.


Even though some owners assume that they don’t need any coverage – generally, because they assume that they can maintain a consistent enough cash flow to negate any sudden problems – that couldn’t be further from the truth. It merely protects you from ceasing operations […]

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Florida Business Insurance Quotes

Florida’s new fraud fighting database

On Friday, June 7th, Florida Governor Rick Scott signed towards laws a costs. It will offer state fraud investigators a very unique device. The law mandates that the production of the database in check cashing stores in state is going to be necessary to use in order to report check cashing transactions better then $1,000. Check out cashing operations must record and also report payer, payee, cost billed, sort of recognition presented plus your payee’s workers’ compensation insurance plan number (in case the check out was made to a company). This particular database can cross reference aided by the Secretary concerning State’s business enrollment database, that does allow investigators to area prospective fraudulent activity associated with workers’ comp.

This particular legislation is the outcome concerning suggestions starting the work-group created through Chief economic Officer Jeff Atwater. He convened your group among the mission of evaluating that the “complicated as well as prepared premium avoidance design which was pervading the workers’ compensation insurance markets”.  your work-group found it, in a lot of cases, check out cashing shops had been being applied to facilitate this particular activity.

It’s a unique strategy, as soon as you consider their base trends their work-group likely found. Unskilled laborers are far more likely, in order to use those work, and are also furthermore more possible in order to be subjected to situations wherein his or her company is not preserving appropriate insurance coverage. Similarly, businesses being paid for the work plus looking in order to keep which important information “down their publications” tend to be likely to utilize these providers. Investigators might now possess access in order to better important information, and also stay able to establish profiles of just what your company’s true payroll otherwise economic activity are, compared to what it reports. I would […]

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