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As a small business owner, you face a variety of unique challenges and circumstances. Having secure, personalized business insurance can offer invaluable protection and peace of mind.
- Fire and smoke
- Windstorm or hail
- Falling objects
- Car crash into your business
- Sprinkler Leakage
1. What Business Insurance do I need?
Most businesses need at least commercial insurance, general liability and business income coverage to help protect their company’s property, income and financial assets. A business owner’s policy can provide all three coverages in a single policy.
2. What is a BOP (Business Owners Policy)?
A Business Owners Policy (BOP) is specifically designed for business owners and covers the unique needs a business owner may face. Allstate understands that no two businesses are exactly alike, which is why we offer unique BOP packages tailored across 36 different business categories. Each BOP package, which may be customized, combines property insurance, liability coverage and more into one custom, convenient policy.
3. What is Business Insurance
Business insurance helps protect businesses from financial losses caused by risks to their property and income. Covered risks can include things like theft, damage, and lawsuits. Insurance for businesses, also known as commercial insurance, can even cover injured workers’ lost wages and provide access to programs to help them get back to work. Commercial insurance policies also help protect businesses from financial losses resulting from liability claims.
4. Florida Commercial Property Insurance
Florida Commercial Property Insurance
Most businesses own a substantial amount of physical property. This property may include one or multiple locations as well as tools, computers, inventory and even accounts receivable. Commercial property insurance can help cover the loss of these assets if they are damaged or destroyed by a covered event.
5. Florida General Liability Insurance
Florida General Liability Insurance
No matter how cautious business owners are, accidents can happen. For example, a customer may accidentally get hurt in a company’s store, or employees may accidentally damage customer property while working on-site. Liability insurance can help protect businesses from the risk of liability claims such as bodily injury, property damage or even advertising mistakes.
6. Florida Business Income Insurance
Florida Business Income Insurance
Businesses rely on many types of property to function and generate income. If a business owner must suspend operations due to a covered loss like a fire or theft, business income insurance can help replace income lost as a result. This can help them continue to meet obligations like payroll and rent.
Start protecting your business today.
Allstate certified business insurance agents can help you learn more about coverage options, including a BOP package, for protecting your business. Get started today.