BUSINESS/COMMERCIAL INSURANCE

Commercial Buildings, General Businesses, Artisan Contractors, Restaurants, Bars, Shopping Centers, Office Buildings, Commercial Liability, Workers Compensation, EPLI, Directors and Officers, Group Health Insurance


COMMERCIAL BUILDINGS/OFFICE BUILDINGS

 We offer coverage for all types of commercial buildings. No matter what age or type of construction, or whether it is occupied or vacant, we have a market for your building. Premiums are based on value, age, type of construction, location, and occupancy. From standard markets like Zurich , to excess and surplus markets like Lloyd's of London, we've got it covered.
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GENERAL BUSINESSES

Our agency insures all types of businesses from professional offices, to general merchandise stores, to distribution, to manufacturing, and the service industries. With several standard and excess and surplus markets, we can give you a competitive price.
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ARTISAN CONTRACTORS

Our companies provide the necessary liability coverage for a wide range of Artisan Contractors from $100,000 to $1,000,000 with great premiums and payment plans. Also, there is coverage available for tools and equipment. Plus, there are additional optional coverages available.
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RESTAURANTS & BARS

We have fantastic markets for restaurants and bars. All the coverages include buildings, contents, general liability, liquor liability (including the availability of assault & battery coverage ), theft of monies, and business income exposure. We have the companies that specialize in this class of business.
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SHOPPING & STRIP PROFESSIONAL / RETAIL CENTERS

From single buildings to multi-building centers, our markets are priced right for all the coverages you need such as buildings, general liability, signage,and business income exposure. Our feature company for this type of risk is Zurich.
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COMMERCIAL LIABILITY

If it's just general liability you need, we have markets for that type of coverage.
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WORKERS' COMPENSATION

If you are in an industry, other than construction, and have four (4) or more employees, full-time or part-time, you are required to carry workers' compensation coverage (an exempted corporate officer does not count as an employee).

 If you are in the construction industry, and have one (1) or more employees (including yourself), you are required to carry workers' compensation coverage (an exempted corporate officer or member of a limited liability company does not count as an employee).

If you are a state or local government, you are required to carry workers' compensation coverage.

If you are a farmer, and have more than five (5) regular employees and/or twelve (12) or more other workers for seasonal agricultural labor lasting thirty (30) days or more, you are required to carry workers' compensation coverage.

 

GROUP HEALTH INSURANCE

We represent the major healthcare providers located in the Volusia / Flagler/ Orange County areas including United Healthcare, Blue Cross / Blue Shield, Aetna, Humana, and Florida Healthcare.
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EMPLOYMENT PRACTICE LIABILITY INSURANCE (EPLI)

EPLI covers businesses against claims by workers that their legal rights as employees of the company have been violated. The number of lawsuits filed by employees against their employers has been rising. While most suits are filed against large corporations, no company is immune to such lawsuits.
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DIRECTORS and OFFICERS INSURANCE (D&O)

Directors and Officers Liability Insurance provides financial protection for the directors and officers of your company in the event they are sued in conjunction with the performance of their duties as they relate to the company. Think of Directors and Officers Insurance as a management Errors and Omissions policy.

You need D&O insurance because claims from stockholders, employees, and clients will be made against the company, AND against the directors of the company. Since a director can be held personally responsible for the acts of the company, most directors and officers will demand to be protected rather than put their personal assets at stake.
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