Our low cost home business Package Policies are designed to cover both your busines property and liability.
Coverage Includes:
- Business Liability coverage up to $1,000,000
- Business Personal Property coverage up to $100,000
- Optional Additional Insured Coverage for grantor of franchises, mortgagee, lessor of leased equipment, etc.
- Other coverages such as electronic data processing equipment, money and securities etc. are also available.
General Liability Insurance
While package policies offer the broadest coverage, we recommend you purchase only the business coverage you need, without unnecessary extras. You need liability insurance!
In today’s litigious society, a simple slip and fall can result in large lawsuit. A home business general liability insurance policy, covers your business for bodily injury, property damage, personal injury, and damage from slander or false advertising claims. Coverage includes 1st dollar legal defense coverage as well. General liability insurance policies are usually issued up to $1,000,000 per occurrence per year. The policy can also be extended to cover your manufactured products, Product Liability, and contractor work, Completed Operations.
Business & Personal Umbrella
The more successful you are, the more attachable your assets are, the more liability insurance you need to protect your family and home business. Home-based businesses owners often need to consider purchasing a business umbrella policy with a personal umbrella policy. This is especially true if your home based business does work for others off premises or if you transport goods and equipment to job sites. Personal auto and umbrella policies exclusions could be excluding important business risks. Let us do a free review of your policies.
Florida Workers’ Compensation
Workers’ compensation is a Florida state program that requires certain employers to have an insurance policy covering employees for work-related injuries. If you have 4 or more employee, counting yourself, (part-time or full-time) or if you work in a construction trade with 1 employee, counting yourself, you are required to purchase Florida Workers Compensation. Employees include illegal aliens and minors.
We offer low cost workers compensation programs for new and experienced home businesses. And if you are a contractor and a corporate officer of a limited liability company you may be eligible to elect to be exempt from workers compensation.
In the U.S., call Toll-Free: 888.265.1220
Phone: 561.243.0505 Fax: 866.297.8549