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.
"My experience was amazing! Les and April have helped me above and beyond when my husband was dying from brain cancer. They basically took over and submitted all my claims. These two are the epitome of good, caring, loving people who go the extra mile for their customers."
"I have only had exceptional experience with their services. From day one, the personal attention was beyond the call."
"I am very happy to write this recommendation on behalf of A. L. Saland Insurance Solutions. So thorough and patient when aiding new or returning clients with Medicare."
"I have been working with Les and April on my insurance needs for many years. They are always looking out for my best interest regarding policy and price, and I highly recommend their agency to EVERYONE that I know."
"Les and his team have assisted me and my family with our auto, homeowners, motorcycle & business insurance for many years. They are ALWAYS available for their clients and go beyond to keep in contact and updated with our current policies especially while they are enforced. "
Melody Davis – Land O Lakes Travel
"In working with A. L. Saland Insurance Solutions have been such a pleasure. They helped us find the right Medicare insurance for our needs. Professionals with Integrity we are very happy! "
"Working with April and Les for our insurance needs has made my life so much easier. Les went over everything about our business to make sure we were being covered properly. They stay in constant contact to make sure they are doing all they can do for you. I could not ask for better people to look out for us!!! Thank you A. L. Saland Insurance Solutions, You and YOUR TEAM have given me the peace of mind that I was looking for!!!"
Kathleen Simington – Elder Assistance
"I have known April and Les Saland personally and professional for many years. They have always taken good care of my health insurance needs and I truly believe they have my best interests at heart. I would recommend to anyone who is looking for changes to their insurance needs to give the folks over at A. L. Saland Insurance Solutions a call. They will take good care of you."
"We were looking for comprehensive homeowner's insurance at a reasonable price. We contacted Les at A.L. Saland Insurance Solutions and his team went to work and found us exactly what we needed. Thanks for your assistance and dedication."
Ed & Lana Marsicano
"The TEAM at A. L. Saland Insurance Solutions has ALL of our insurance needs at their agency. Our business, fleet, homeowner, auto & health insurance. I have been with them for over 10 years and would NOT go to another agency for any reason. They not only keep in contact with us but they are keeping in contact with us throughout the year for ALL of our needs. I would highly recommend to everyone to call them today for your needs."
Pat Norton – Founder / Florida Exotic Bird Sanctuary
"Our experience with A. L. Saland Insurance Solutions has been first class. Les and his Team have been our insurance agents for both personal and Business needs for over 5 years. During that time we have received great advice and excellent service from people we feel connected to and are available to us whenever we need them."
Jude Mulhern – Marizipan/Owner