Request your quote for Florida Business Insurance in Inlet Beach:
Do you own a business in Florida? Small business owners are who drive the state's economy. Your passion has inspired you to take on what you love best and serve the people of this great state. With all you have to do on any given day, there are considerations that almost every Florida business owner must address. One of these is business insurance.
It is crucial that, as a Inlet Beach business owner, you have business insurance. Unexpected events call for protection. Examples could be an employee of a painting company falling off a ladder, or a client that is injured slipping in your office.
Harris Insurance helps small businesses every day find the coverage they need at the best price for them. If you are in:
• Education
• Fitness
• Construction
• Beauty
• Retail
• Therapy
• Entertainment
• Consulting
• Technology
• And More
You need business insurance.
Who is Required to Carry Business Insurance in Inlet Beach?
Business insurance is regulated by state law. If you have employees, all states require worker's compensation insurance, disability insurance, and unemployment insurance. Other types of small business insurance may also be required.
There may be circumstances where you do not need business insurance. This would be if you are working for yourself, have no employees, and it is not mandatory in your line of work. If you think you can get away with it otherwise, think about the risks. All costs will have to be paid out of your pocket should there ever be a problem.
What Kind of Inlet Beach Business Insurance Should You Have?
As a small business owner, just what kind of business insurance should you consider? That will depend on the type of business you run. Our Inlet Beach, FL business insurances typically include different types of coverage, known in the industry as policies. If someone does injure themselves slipping and falling at work, you will be glad you are covered with business insurance.
A great starting point to protect your business is General Liability Insurance. Contact our licensed Agents with a few specifics about your business operations and we can advise on recommended coverages to protect your business and livelihood.
General Liability Insurance in Inlet Beach FL
This insurance covers losses from lawsuits, property damage, bodily injury, or other events. A business liability insurance policy will cover you if you ever find yourself in court defending a lawsuit, repairing property damage, or paying the costs of someone else's injury your business is responsible for. Any type of damage to your business can run into thousands of dollars in repairs, and liability insurance is there when you need it.
Professional Liability Insurance
This type of insurance is necessary when you offer services to clients. Clients may suffer harm through error, malpractice, or negligence, and you want to ensure that a safety net provided through professional liability insurance will cover your costs. Without liability insurance, defense costs will add up quickly when you have to defend yourself in a lawsuit.
Inlet Beach Commercial Property Insurance
If your business is run from a commercial office or other facility, you will want business insurance to cover that structure, similar to your homeowners insurance. Property insurance will offer coverage for damage caused by fire, wind, inclement weather, or vandalism. If there is trouble at your place of employment, and you do not have insurance, all costs will be your responsibility. It’s also important to consider Business Personal Property, betterments and improvements, and business loss of use.
Commercial Auto Insurance
If your Inlet Beach, FL business requires vehicles, you need business insurance for all cars, trucks, and vans that are used. Commercial vehicles require a separate policy, as they are exposed to more risk than personal vehicles. Any type of vehicle used for transport should be included in your commercial auto insurance policy. Even side businesses that include ridesharing need to be disclosed on your auto insurance policies. It’s important to have your policies noted with the correct information because in the event of an accident or claim, where you were going, what you were doing, and whether or not it is considered “business use” will absolutely be disclosed and you want to ensure that you are covered.
Workers Compensation Insurance
Workers compensation, also known as workers comp for short, is insurance that covers medical expenses and lost wages for employees who become injured or ill on the job. Coverage also includes employee rehabilitation as well as death benefits. Workers compensation is a requirement in Florida, as well as every other state. You never want to put your business at high financial risk by going without.
Cyber Liability Insurance
Cyber insurance protects against damages caused by electronic threats to your computer system or data. Almost every business has a website, online accessibility, and other digital ways to see and/or contact the business every day. Any misuse can cause theft, damage or sensitive information being stolen. You do not want to be looking at lots of downtime and recovery costs if you are not covered by cyber liability. If your business accepts credit card payments, you are at risk and should invest in cyber liability to protect you as well as your client’s private information.
Garage Liability Insurance
For those who run a business such as a repair shop, vehicle customization shop, auto dealer, service station, parking lots or tow truck operators, your day-to-day operations should be covered with garage liability. You can include garage liability to your Inlet Beach business liability insurance.
At Harris Insurance, we offer every type of business insurance you could possibly need. From general liability, employment practices, workers comp, vacant property, business auto, and more, our expert insurance agents will guide you to what is right for your business operations.
We have been insuring people and businesses since 1965. We have seen a lot of change through the decades, and by working with over 150 insurance companies, we can ensure that you are fully protected in all you do in your Inlet Beach business.
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.
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
