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Running a business is always done with an element of risk. While some businesses and industries are considered riskier than others, all businesses are vulnerable to liability claims.
Whether it is your fault or not, it does not take much to find yourself at the wrong end of a liability lawsuit, and it can end up costing you big. Being found liable for a claim can easily bankrupt a successful business and leave you without an income. Even if you are not found liable, those defense costs can quickly add up.
If you run a business in the Port St. Joe area, having business insurance is vital for you to carry out your operations with peace of mind. For a relatively low cost, you can protect yourself against any claims made against you.
What Does Port St. Joe Small Business Insurance Do?
Business liability insurance is designed to protect you and your business against any liability claims. While it does not stop them from happening, the coverage will ensure that you are not left out of pocket, paying for costly legal and court fees.
There are plenty of scenarios that could result in a liability claim. For example, if a customer were to fall and hurt themselves while on your business premises, they could sue you for personal injury. Slip and fall accidents are common, and makeup roughly 10% of all liability claims. The average cost of one of these claims is $20,000. Other customer injury claims average around $35,000, and damage to reputation claims is a whopping $50,000.
No one wants to be handed a bill in excess of $20,000. An amount like that could devastate a small business and force it to close its doors permanently. Having business liability coverage is the best way to manage the risk of liability and keep your business running.
Port St. Joe General Liability Business Insurance
At Harris Insurance, we have been protecting people in the Port St. Joe area since 1965. With over fifty years of experience under our belts, we know exactly what business owners need to give them peace of mind. We serve a wide range of industries, so even if your business is deemed high-risk, we can likely arrange coverage for you.
Our Port St. Joe general liability insurance (also known as commercial insurance) comes with a range of additional options and can be grouped with other insurance products. This allows the coverage to be either basic or extensive, depending on your needs and business operations. This will give you the protection you require all for an affordable premium.
Port St. Joe Business Insurance Quotes
Every business is unique, and every business' insurance needs are unique as well. We strive for excellence with each and every one of our clients. We will do our absolute best to provide you with Port St. Joe commercial general liability insurance that meets your requirements at an affordable premium. Additionally, we take care to ensure you understand exactly what your coverage is and how it works.
If you have been disappointed with other Port St. Joe commercial insurance companies, then give the team at Harris Insurance a try.
If you have a business, you need business insurance. A comprehensive Port St. Joe business liability insurance plan may include any or all of the following packages:
- Business Auto Insurance
A commercial or business auto policy protects automobiles owned and used by a business. It is not for vehicles that have personal auto insurance attached to them. A personal auto policy does not protect business vehicles, those operated by your staff, or featuring advertising or specialist equipment. - General Liability Insurance
This is a common insurance plan because it protects your business in various ways. Regardless of whether or not you are at fault, general liability insurance can cover your defense costs. - Business Cyber & Cyber Liability
As businesses use more and more technology and become more dependent on it, it has become essential to have insurance against cyber risk. Consider cyber insurance if your business uses email, has a website, accepts credit card payments, or uses laptops or tablets. - Business Property Insurance
This protects your business location and its contents, equipment, and inventory. - Workers Compensation
As your business grows, you will need to add employees. As you add employees, you must protect them while they perform their duties at your place of business with worker's compensation. - Employment Practices Liability EPLI
This can protect your business from legal actions that are brought by a former employee for an employment-related issue full stop with written procedures for your operation. This includes things like how you promote and how you discipline and terminate employees - Builders Risk
This is specialized property insurance for residential or commercial buildings that are being constructed or renovated. The insurance covers materials fixtures and equipment. - Florida Landscapers Insurance Program
This is a relatively new program that offers our customers even more diverse protection. It is a suite of fully expandable programs to protect your business in relation to pesticide application, handyman services, tree pruning, pressure washing, and landscaping, among other similar services.
Port St. Joe Commercial Insurance You Can Trust
It is tough running a business. With so many elements to worry about, liability claims are something you definitely do not need. With Harris Insurance, we will remove that worry and let you run your business with peace of mind. Contact us today and see how we can offer you the peace of mind that you need to run your company in the most productive way possible.
Harris Insurance has been protecting businesses along the Gulf Coast since 1965. For over 50 years we have weathered the storms and we know how to protect your business against the unique challenges of doing business along the coast of Florida. As the trusted source for Business Insurance Policies (BOP) in the Florida Panhandle, no one can beat our rates or experience. We are experts in business protection and want the opportunity to quote your current policy to prove how much you could save. Check out our growing list of everything we’ve Recently Quoted and Sold. We want to add your industry to this list as the premier providers of BOP in Northwest Florida!
Options & Potential Discounts
Business income
Flood and water backup
Ordinance & Law
Errors & Omissions Legal Liability
Directors & Officers Legal Liability
Glass & sign coverage
Liquor liability
Fidelity
Wind Deductible buyback
Contractors tools and equipment
Cargo coverage
Hired & Non-owned automobile liability
Transfer your policy to Harris Insurance discount
Paid in full discount
Wind mitigation inspection credits
Roof geometry credit
Update credits for electric, heat/ac system, plumbing, roof
Wind shutter credits
Fire/Burglar alarm credits
Insurance score credit
Companion/additional policy credit
Multi & fleet vehicle discounts
Safe driver discounts
