Commercial Insurance Policies

General Liability

General Liability (GL) insurance protects your business in the event that physical injury or property damage occurs as a result of your business operations. General Liability Insurance is also referred to as “Business Liability Insurance” or “Commercial General Liability” (CGL) insurance. Download and fill out our Liability Questionnaire, and we will respond to you within 24 hours. You can also call our office directly and we can help you.

Commercial Auto

While commercial vehicle insurance has some similarities to your personal auto policy, there are important differences in coverages, exclusions, definitions, limits and eligibility itself. Written and rated differently, commercial car insurance is needed for certain situations and vehicle types. Whether it is transporting goods or people for a fee, using your vehicle to conduct a service, or allowing employees to operate a vehicle, you may need a commercial auto policy.

Workers’ Compensation

Workers’ compensation provides replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee’s right to sue his or her employer for the tort of negligence.

 

Umbrella/Excess Liability

Significant assets can be at risk when businesses are the target of lawsuits. If the cost of a claim exceeds the limits of a business’s underlying primary insurance policies, commercial umbrella insurance extends liability coverage for an additional layer of insurance to further protect business assets.

 

Commercial Property

Commercial Property Insurance helps protect the building your business owns or leases, as well as your business’ property, including tools and equipment, inventory, and furniture. A commercial property insurance policy includes coverage for assets, like accounts receivable, computers and lost income, for when business operations are suspended due to a covered loss. Businesses can tailor their coverage to include additional protection, like valuable papers and records coverage, that can help pay to reproduce important documents, provide temporary storage and move records to avoid a loss.

Doing business without insurance puts you and your company’s financial well-being at risk. We can help you determine the type and amount of coverage you need to be fully protected from unexpected operational disruptions, jobsite accidents, property damage, professional liability and more.

 

 

 

 

 

 

 

SURETY BOND & COMMERCIAL INSURANCE EXPERTS
239.243.9279  Facebook Link - Smith Insurance & Bonds Twitter Link - FL Surety Bonds Google Plus Link Instagram Link - Smith Insurance & Bonds LinkedIn Link - Matt Smith    
2039 West First Street, Suite 7
Fort Myers, Florida 33901