Commercial Insurance in Florida
When you are a small business owner it doesn't matter how many employees you have, what matters is safeguarding your livelihood. Luckily, commercial insurance enables you to protect your business from unnecessary liability exposure, provide your employees with peace of mind, and help ensure that your company remains viable for years to come. Given the expense required to start and run a business, having insurance is a no-brainer and in Florida, it is a state requirement.
Specific to Florida, businesses with four or more employees regardless of whether they are full-time or part-time are required to carry workers' compensation insurance which helps pay for workplace injuries or illnesses sustained by employees. Additionally, if your business owns any vehicles then you are also mandated to have commercial auto insurance. Keep in mind that personal auto policies generally exclude business use so if you ask employees to use their personal vehicles for work tasks then you should strongly consider purchasing hired and non-owned insurance.
While it is not required many business owners may want to consider additional coverages such as professional liability insurance, cyber liability insurance, and general liability insurance. Depending on the type of business you have, a policy like cyber liability insurance makes sense if you store sensitive customer data in the cloud that may be at risk of exposure if a hack or data breach occurs. At A. L. Saland Insurance Solutions Inc in Lutz, FL we are your go-to source for any commercial insurance need. Serving all of Florida, our talented team of insurance professionals are ready and willing to assist in finding you the perfect policy. We will work with you to determine your needs so that we can customize a commercial insurance policy that best meets your needs. Give us a call today to schedule a no-obligation consultation.