Our sales department includes a full-time marketing division committed to building trusting relationships with our company partners and staying current with market conditions. It enables us to tailor affordable commercial insurance product and service packages that protect you and your business in all environments.
Protection against the risks you foresee is vital, but so is protection against the things you may never imagine. At Brown & Brown, we specialize in covering you against everything, particularly those risks specific to Florida, from weather to mishap to crime.
We'll find you the right property insurance to protect and cover damage to your business property; liability insurance to cover you against damages claimed by third parties; and workers' compensation insurance to cover on-the-job injuries to your employees.
Depending on your business needs, we can also advise you on additional types of specialized coverage.
Commercial General Liability Insurance
Casualty insurance consists primarily of liability coverages, which protect an insured party against injury or damage claims made by other parties, such as customers, renters, other businesses, etc. Policies provide coverage for liability arising from:
- Damage to premises and operation
- Fire damage liability (to premises rented to insured)
- Personal and advertising injury
- Medical payments
- Products/completed operations
For complete, worry-free coverage, you may want to consider a Business Owner's Package, which combines liability, property and other types of coverage into one comprehensive policy. Brown & Brown's bundled pricing can help you save time and money on your total insurance program. And because we live in an age of million-dollar lawsuits, you may want to add extra liability protection in the form of a Commercial Umbrella Policy.
Property insurance covers the risk of property loss across every facet of your company, including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items.
Property insurance may cover two types of property loss, including direct losses, which are the costs of covered property that is lost, stolen, damaged or destroyed, and indirect or consequential losses, which are caused by damage or injury to covered people/property that exist outside the scope of the covered damage.
As an example, a fire will cause direct losses. The revenue lost while a business is rebuilding is an indirect loss. Therefore, most property insurance packages include both for complete coverage.
Business Auto Insurance
Business auto coverage insures vehicles that are owned, leased, hired or borrowed by businesses, including private passenger autos and all types of trucks, trailers, semitrailers and commercial vehicles designed for use on public roads. Your Brown & Brown agent will explain specific coverages and deductibles and will tailor an insurance plan that's right for you and your business.
Workers' Compensation coverage applies to bodily injury and disease arising out of and in the course of employment. Any bodily injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered.
Workers' Compensation provides for the payment of four types of benefits:
- Medical benefits
- Income benefits
- Death benefits
- Rehabilitation benefits
A Brown & Brown agent can provide you with complete details on Workers' Compensation insurance and recommend cost-effective ways to control expenses through safety engineering and claim services.