Business Owners Insurance Policies
St.Petersburg Florida

Insurance coverage is essential for any business; there is no doubt about that. Nonetheless, is it not the kind of protection a company owner should hurry through purchasing. Buying business insurance is a complicated process and you want to make sure you obtain an insurance broker who will take the time to ensure that you have every one of the policies your business requires to operate smoothly. A lot of company owners imagine that acquiring a Business Owners Policy (BOP) is the solitary type of insurance coverage they will must have, on the contrary this is not the case. While BOPs are useful for most enterprises, it is also sensible to acquire added business insurance coverage to go along with a BOP that meet the precise needs of your industry.

St.Petersburg FL - Business Owners Policies packages could contain:

Property insurance for buildings and contents owned by business
Standard protection
Special protection (more comprehensive)
Business interruption insurance
Liability protection - Covers business’ legal responsibility for the harm it could cause to others
Bodily injury
Property destruction due to defective goods
Faulty installations
Mistakes in services offered
Worker’s Compensation Insurance packages for large or small companies.

St.Petersburg FL - General Liability Insurance

There are TWO “markets” of general liability insurance

Standard market
Excess Surplus market (In order to be covered under a general liability insurance coverage, a business must fall into the Standard Market)

Liability Limits

$1,000,000 per occurrence
$2,000,000 per policy
Most company policies are for a year
Usually general liability is automatically renewed

Business Personal Property (BPP) may Protect property within a business from:

Fire
Theft
Vandalism
Possessions can be effects like televisions, chairs, tables, desks, etc.

STANDARD MARKETS Businesses that do NOT have high risk For Example:

Technology companies
Lawyers
Inside painters/decorators
Doctor’s offices

Certificate of insurance

Vital—your business ought to always present clientele with a certificate of insurance when doing labor for them (i.e. If you are working on someone’s residence, providing them with a certificate of insurance will let them know who is responsible)

Endorsements/AUDITS Any alterations you create in regard to liability issues/coverage, you Have to notify your insurer

If you do not, then the insurance company will NOT be legally responsible for covering you should a legal responsibility issue present itself

GENERAL LIABILITY IS NOT Compulsory FOR BUSINESSES TO Function, HOWEVER A GENERAL BUSINESS POLICY EITHER CANNOT Offer PROTECTION AGAINST LIABILITY Matters OR WILL NOT Offer ENOUGH COVERAGE

St.Petersburg FL - Commercial Vehicle Insurance

Because fleet vehicles can be used for business and private use, they often require extra protection than a commercial vehicle policy permits. Don’t make the blunder of assuming you have enough coverage under your commercial auto policy. At Brinker Insurance, we appreciate how important it is to protect every aspect of your business. Please fill out our free commercial fleet vehicle quote form and contact us today!

St.Petersburg FL - Commercial Property Insurance coverage protects your business from loss due to physical damage Coverage depends on:

The premises that is actually insured
The kind of events that lead to damage
Building structure
Furniture
Inventory
Equipment
Supplies
Money & securities (i.e. lost revenue or cash on the premises)
hard-to-replace records (i.e. accounts receivable)
Outdoor signs
Inventory
Others’ property

Additional Coverage - Sometimes you can add additional coverage to your policy to cover things specific to your business that go beyond the amount of your regular coverage

Expensive equipment
Antiques
Large amounts of money
ETC…

A business is a huge investment; do not leave it to chance by having inadequate insurance coverage. Brinker Insurance is a business too, so we understand the importance of comprehensive coverage. We offer many options for business insurance, no matter how big or small your business may be. Contact us today and fill out our free business insurance quote form!

The Products and coverage above is only a description of Insurance products offered by Brinker Insurance and your insurance policy coverages will vary depending on types of endorsements and riders that are purchased by the Individual.

Brinker Insurance a local Florida Insurance Agency, offering affordable Business Owner Policy in St.Petersburg, Pinellas Park, Clearwater, Largo