{"id":704,"date":"2015-01-27T10:04:35","date_gmt":"2015-01-27T10:04:35","guid":{"rendered":"https:\/\/pablobeach.shapiroinsurancegroup.com\/?p=704"},"modified":"2020-11-13T14:10:06","modified_gmt":"2020-11-13T14:10:06","slug":"business-insurance-coverages-florida","status":"publish","type":"post","link":"https:\/\/pablobeach.shapiroinsurancegroup.com\/business-insurance-coverages-florida\/","title":{"rendered":"Business Insurance Coverages in Florida"},"content":{"rendered":"<p>When an unexpected incident occurs in your business, the property and casualty coverage you have in place makes a big difference in your ability to stay in business.<\/p>\n<p>A comprehensive\u00a0<strong><a href=\"https:\/\/pablobeach.shapiroinsurancegroup.com\/business-insurance\/\" target=\"_blank\" rel=\"noopener noreferrer\">business insurance program<\/a><\/strong>\u00a0helps shield your employees, clients, and\u00a0customers from the consequences of a tragic event. It can also\u00a0protect\u00a0you\u00a0from the\u00a0financial complications.<\/p>\n<h2><strong>Commercial Property Insurance<\/strong><\/h2>\n<p>Fires, windstorms, and other undesirable\u00a0events\u00a0can occur when you least expect them.\u00a0The resulting\u00a0damage\u00a0might not completely destroy your building and contents; but if\u00a0you can&#8217;t make timely repairs,\u00a0even a minor incident temporarily shuts down your business.\u00a0Employees and customers may choose to move on, and that puts your\u00a0business into a financial tailspin.<\/p>\n<p>The right property insurance pays for\u00a0replacement and repairs. It helps you recover\u00a0from a\u00a0minor event\u00a0or a major catastrophe.<\/p>\n<h2><strong>General Liability Insurance<\/strong><\/h2>\n<p>Injury and property damage claims\u00a0are legally and financially complicated.\u00a0When someone is injured on your property, you could be\u00a0responsible for medical\u00a0bills, lost wages and other\u00a0expenses. A personal injury suit\u00a0could keep you in\u00a0court\u00a0for years to come.<\/p>\n<p>A\u00a0General Liability insurance carrier investigates liability incidents. They\u00a0pay the damages for which\u00a0your business is\u00a0legally liable\u00a0or defend you if the incident isn&#8217;t\u00a0your\u00a0fault.<\/p>\n<h2><strong>Worker\u2019s Compensation Insurance<\/strong><\/h2>\n<p>If your\u00a0employee is injured on the job, in most cases you are legally responsible for his or her expenses until they return to work. Worker\u2019s Compensation Insurance helps\u00a0you handle that responsibility.<\/p>\n<p>The company underwriting your business insurance\u00a0reviews\u00a0compensation claims.\u00a0If a claim is valid, they make payments on your behalf and handle the case to its conclusion.<\/p>\n<h2><strong>Commercial Auto Insurance<\/strong><\/h2>\n<p>Drivers in Florida are required to have Personal Injury Protection (PIP) coverage for accident-related injuries. If a driver or passenger is injured, the owner\u2019s insurance company pays. It\u2019s a simple idea, but unfortunately it\u2019s more complicated than that. If injuries exceed Florida\u2019s \u201ctort threshold\u201d&#8211;permanent disability, loss of bodily function, significant disfigurement, or death&#8211;injured parties retain the right to sue.<\/p>\n<p>If your employee is involved in an accident while driving your business vehicle, high dollar claims or a\u00a0personal injury judgment,\u00a0put your business assets in jeopardy.\u00a0Your agent helps you avoid that dilemma by helping you choose\u00a0policies with the right\u00a0coverages\u00a0and\u00a0adequate\u00a0limits to cover your\u00a0commercial auto\u00a0exposures.<\/p>\n<h2><strong>Product Liability Insurance<\/strong><\/h2>\n<p>Product Liability Insurance isn&#8217;t just for manufacturers.\u00a0If your business markets, distributes, or performs any activity that\u00a0places\u00a0products into a customer&#8217;s hands,\u00a0you have a product liability exposure.<\/p>\n<p>If your product injures a person, they may present a claim against you or name you in a lawsuit&#8230;\u00a0even if you did nothing wrong. Your product liability insurance company investigates any claims presented, pays them if you are liable, or defends them if you are not.<\/p>\n<h2><strong>Professional Liability Insurance<\/strong><\/h2>\n<p>Even if you are a\u00a0highly conscientious\u00a0doctor, architect, or\u00a0other professional,\u00a0errors occur. Professional malpractice cases lead to major claims and big\u00a0judgments. When you have\u00a0Professional Liability Insurance, a\u00a0claim staff investigates and\u00a0pays claims on your behalf. If you are not legally liable, they pay to\u00a0defend you.<\/p>\n<h2><strong>Insurance is important<\/strong><\/h2>\n<p>As you see, there are a lot of complicated, and incredibly involved, details to contemplate when you&#8217;re reviewing the\u00a0<strong><a href=\"https:\/\/pablobeach.shapiroinsurancegroup.com\/business-insurance\/\" target=\"_blank\" rel=\"noopener noreferrer\">business insurance products<\/a><\/strong>\u00a0you need to\u00a0help keep your business going strong. Fortunately, your great Florida Insurance Agents like Pablo Beach Insurance Group are here to help with any and all additional information.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When an unexpected incident occurs in your business, the property and casualty coverage you have in place makes a big difference in your ability to stay in business. A comprehensive\u00a0business insurance program\u00a0helps shield your employees, clients, and\u00a0customers from the consequences of a tragic event. It can also\u00a0protect\u00a0you\u00a0from the\u00a0financial complications. Commercial Property Insurance Fires, windstorms, and [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":1580,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":""},"categories":[14,8],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Business Insurance Coverages in Florida - Pablo Beach Insurance Group<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/pablobeach.shapiroinsurancegroup.com\/business-insurance-coverages-florida\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Business Insurance Coverages in Florida - Pablo Beach Insurance Group\" \/>\n<meta property=\"og:description\" content=\"When an unexpected incident occurs in your business, the property and casualty coverage you have in place makes a big difference in your ability to stay in business. A comprehensive\u00a0business insurance program\u00a0helps shield your employees, clients, and\u00a0customers from the consequences of a tragic event. It can also\u00a0protect\u00a0you\u00a0from the\u00a0financial complications. Commercial Property Insurance Fires, windstorms, and [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/pablobeach.shapiroinsurancegroup.com\/business-insurance-coverages-florida\/\" \/>\n<meta property=\"og:site_name\" content=\"Pablo Beach Insurance Group\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/PabloBeachInsuranceGroup\" \/>\n<meta property=\"article:published_time\" content=\"2015-01-27T10:04:35+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-11-13T14:10:06+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/pablobeach.shapiroinsurancegroup.com\/wp-content\/uploads\/2015\/01\/Copy-of-Copy-of-Untitled-6.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"510\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Gilberto Rodriguez\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Gilberto Rodriguez\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/pablobeach.shapiroinsurancegroup.com\/business-insurance-coverages-florida\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/pablobeach.shapiroinsurancegroup.com\/business-insurance-coverages-florida\/\"},\"author\":{\"name\":\"Gilberto Rodriguez\",\"@id\":\"https:\/\/pablobeach.shapiroinsurancegroup.com\/#\/schema\/person\/74ca87cefc774f198fcc73c5adeb3ff9\"},\"headline\":\"Business Insurance Coverages in Florida\",\"datePublished\":\"2015-01-27T10:04:35+00:00\",\"dateModified\":\"2020-11-13T14:10:06+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/pablobeach.shapiroinsurancegroup.com\/business-insurance-coverages-florida\/\"},\"wordCount\":587,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/pablobeach.shapiroinsurancegroup.com\/#organization\"},\"articleSection\":[\"Business Insurance\",\"Florida Insurance\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/pablobeach.shapiroinsurancegroup.com\/business-insurance-coverages-florida\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/pablobeach.shapiroinsurancegroup.com\/business-insurance-coverages-florida\/\",\"url\":\"https:\/\/pablobeach.shapiroinsurancegroup.com\/business-insurance-coverages-florida\/\",\"name\":\"Business Insurance Coverages in Florida - 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