Business Insurance
Business Insurance Coverage Areas
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| Commercial Insurance Brochure (PDF) | |
Comprehensive Business Solutions you Can Count On!
As a business owner, you have enough on your mind without having to worry about your insurance needs. You want to have the confidence that the business you've built is covered by a company that understands your business insurance needs.
Commercial business insurance provides wide-ranging protection for businesses and their subsidiaries under a single policy. There are various types of commercial business insurance that takes care of property, liability and workers' compensation, to name a few. While property insurance covers damages to business property and products stored within the premises; liability insurance provides cover for damages to third parties; and workers' compensation insurance covers injuries to employees.
Commercial business insurance is an important aspect of any business that cannot be ignored especially if the business premises are leased or rented and even otherwise. Whatever your commercial insurance needs, we can design a protection program that's right for you.
Flagler Insurance provides the following types of business insurance protection:
Auto - Commercial
A commercial automobile insurance policy is required under most
circumstances when the vehicle is used for business purposes and
meets certain other requirements. It is not just the registration
that determines the requirement for a business automobile insurance
policy. Other requirements are ownership by a corporation, use in
hauling goods for hire, and gross vehicle weight of the vehicle.
Some small trucks can be owned and insured under a personal automobile
insurance policy under specific circumstances.
Commercial automobile insurance policies are not regulated in pricing,
as are private passenger policies. There is price competition between
insurance companies for good commercial automobile insurance.
Commercial Auto Insurance Quote
BOP (Business Owners Package)
Business
Owners Package policy, commonly called a "BOP" contains
many of the insurance coverages needed by most small businesses.
While these policies are not standard, there is great variation from
insurance company to insurance company; there are certain common
elements. The basic BOP offers business property for both building
and contents, and liability insurance protection for the operation
of your business. This liability protection will generally include
both the operation of your business, at its established location,
and the liability from your products or completed operations.
Some, but not all of the policies, will also offer business income
and extra expense protection after an insured loss. BOP policies
do not contain all of the coverages needed by a small business. Notably
they do not cover any workers' compensation, professional liability,
or business vehicle coverage.
Business Owners Package Insurance Quote
Business Interruption
If your business suffers a property loss it could cause the business to slow or close down while repairs are made. This may mean a complete or partial revenue loss depending on the time frame and the damage. From the time the loss occurs until your business is running again, insurance can replace your lost profits, and provide a source of money to pay your necessary continuing expenses, like rent, payroll, taxes, etc.
Commercial Property
Commercial Property protects your business against the loss or loss of use of company property. "Property" can include a variety of types: lost income or business interruption, buildings, computers, money, and valuable papers.
Commercial Property Insurance Quote
Condominium Building
Condominium Coverage is designed for the owners of condos and co-op apartments.
The condominium building is a commonly owned property and is normally insured through a condominium association policy, also known as a master policy. The condominium association policy covers items which are structural parts of the dwelling and the shared areas of the complex, such as the roof, the basement, the elevator, the parking area, the swimming pool, exterior walls and walkways. Living in a condominium, you become a shareholder in the corporation and it allows you to access these shared areas. At the same time your association policy appears to be rather limited when it comes to your personal property. For example, it does not cover losses resulting from burglary, damage from water plumbing and many mishaps that may occur on the part of the building occupied by the condominium unit owner. It does not include Personal Liability either.
Condominium Coverage is intended for bridging the gap between what is covered by your association policy and what is left over. The insurable perils under this type of the Homeowners contracts are basically the same as under the other types of contracts and include the following occasions: smoke, windstorm or hail, fire and lightning, earthquakes (optional), theft, vandalism, water escape from malfunctioning pumps, but not floodwaters, freezing of a plumbing, heating or air-conditioning system, but not when you leave for more than four days, glass breakage, impact of vehicle or aircraft and damage from falling objects.
Condominium Building Insurance Quote
Commercial Umbrella
Most package policies provide a liability insurance limit of $1 million for any one loss and $2 million in any one year. For many businesses, this limit is inadequate for real economic security. As a result, additional layers of protection in million-dollar increments are readily available in today's insurance market for most businesses.
Contractor's General Liability
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| Artisan
Insurance Brochure (PDF) |
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Contractor's General Liability insurance is for residential and commercial builders, general contractors, construction managers, design and build firms, specialty contractors or subcontractors, owners or public and private construction projects.
We offer contractor policies for every type of project:
- Property
- Builders risk insurance and course of construction
- Liability insurance
- General liability insurance
- Contractor insurance
- Commercial auto
- Umbrella
- Workers' compensation
- Railroad protective
- Equipment insurance
- Contractor bond
Contractors General Liability
Insurance Quote
Directors & Officers Liability
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.
Directors and Officers Insurance is often confused with Errors & Omissions Liability. The two are not synonymous; Errors & Omissions is concerned with performance failures and negligence with respect to your products and services, not the performance and duties of management. Generally it is a good idea to carry both Directors and Officers Liability Insurance and Errors and Omissions Liability Insurance.
Employment Practices Liability (EPLI)
Employment Practices Liability Insurance otherwise known as EPLI is insurance that helps protect you against claims from your employees that result from the general conduct of your business. Common examples of employee related claims include claims relating to:
- Discrimination
- Wrongful Discharge
- Sexual Harassment
- Hostile Working Environment
- Wrongful Termination
- Lack of Advancement
General Liability
Normally,
it is difficult for businesses or general contractors to work without
general insurance. General liability insurance is intended to guard
operators and owners of companies from claims that may come from
a broad spectrum of sources. These exposures could be just about
anything, including liability engendered by accidents from the operations
of the insured party, contractual liability, products manufactured
by the insured party, etc.
The liability you select, whether it is one, two, or three million dollars, determines the cost of general liability insurance. Also factored into the rates are the kind of work undertaken, gross receipts and total payroll expenses. Similar to auto insurance, when it comes to general liability insurance, you will first have to make a down payment and then follow it up with installments. Before buying general liability insurance, it is best to compare the quotes available in the market.
It is the business owner's or general contractor’s job to make sure that the people working under him/her are covered by an insurance policy. If for example, a person who is not a part of the project gets injured, the injured person’s lawyer can target just about anyone involved in the project. The more individuals that are involved, the greater the chances of a successful lawsuit.
General Liability Insurance Quote
Hotel & Motel Hospitality Insurance
Running a hotel in today's competitive environment is a big challenge. Getting the proper business insurance at a reasonable price can be frustrating and time consuming.
Flagler Insurance offers specialty insurance programs designed specifically for hospitality industry. We offer protection that goes beyond the industry standard forms used by many insurance companies.
Investment Property
If you own an investment property, you should make sure that you carry adequate insurance coverage. Accidents may occur and ultimately cause damage to your investment property. If you do not have the necessary insurance, you will be responsible for the full financial cost.
Owning an investment property brings with it a large degree of liability. In addition to the building itself, you may be responsible for injuries received by others while they are on your property. You could also be held responsible for damage to their belongings.
Liquor Liability
Liquor Liability Insurance is designed to provide liability insurance protection for those businesses who manufacture, distribute, or sell liquor. You need liquor liability insurance if you sell liquor and your business is a:
Marina Insurance
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| Marina
Insurance Brochure (PDF) |
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The program is designed to provide comprehensive coverage for the unique exposures faced by operators and dealers and can be tailored to your specific needs.
Coverages available:- Marina operators liability, including ship repairers liability for commercial and private pleasure vessels.
- Commercial general liability, including products liability, completed operations and contractual liability.
- "All risk" coverage for property, dealer inventory, piers, wharves, docks and miscellaneous equipment.
- Business income and extra expense coverage.
- Physical damage and liability coverage for owned watercraft, including workboats and rental boats.
- Employee dishonesty.
- Flood and earthquake damage.
- Refer to policy for complete coverage description. Exclusions may apply. Coverages are subject to policy terms, conditions and limits.
Medical Malpractice
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| Allied Medical Brochure (PDF) | |
In today’s challenging healthcare marketplace, we can help guide you to better results and a higher set of expectations with our value added services. We understand your struggle to deliver quality health care and avoid medical malpractice claims. Working in partnership with your practice, we will address affordability issues regarding medical malpractice insurance, while improving safety and quality.
Product Liability
Product liability insurance protects you in case a product you produce or provide causes harm to a user or a user's property. A "product" is anything that is tangibly used, touched, or consumed. This type of insurance is recommended for every business that manufactures a product, but is especially important for companies that produce food, clothing, toys or anything else that could conceivably cause harm to someone.
Most business owners policies include limited product liability coverage. If, for some reason, you do not have this coverage through a business owner's policy and your product runs the risk of inflicting harm on other people, you may need to buy product liability separately. Similarly, if your product presents a higher risk of injury (for example, it contains a hazardous material), you may need to purchase additional coverage.
Professional Liability (Errors & Omissions)
Professional liability insurance, also sometimes referred to as Errors and Omissions, is insurance to protect you and your company in the event a client alleges they have suffered a financial loss as a result of an error or an omission committed by you in the delivery of your professional services. Professional liability coverage is separate from a General Liability (GL) policy which would cover you mainly for bodily injury or property damage liability.
Professional Liability Insurance Quote
Property Liability
The general or public liability policy provides protection for claims of liability that are made by third parties. The policy provides defense protection even if the allegations are groundless. In addition the policy will pay any judgment up to the policy limit of coverage.
Restaurant
Today’s restaurant environment is more complex than ever and you
want to know you’re covered for the unexpected occurrence.
Whether you run a small cafe or a national chain, you could be held liable for anything from contaminated or spoiled food to spilled coffee. That’s why you deserve an insurance company with commercial restaurant insurance coverage specifically designed for the risks you face.
Eligible classes include, but are not limited to:
Special Event
Whether you are planning a corporate event, holding a large rock concert, or organizing a local flower festival, you will need special event insurance to ensure that you are covered for unexpected occurrences that may spoil the success you and your company may receive when the big day arrives.
Technology Insurance
Many companies are unaware that their current business and insurance policies most likely do not cover them for all of their technology-related risks. Our technology insurance portfolio offers coverage options tailored to fit your company's unique needs.
In today's technology-driven world, companies face a number of dynamic exposures. Whether it is faulty software, inappropriate advice, misconfigured firewalls or inadequate anti-virus software, hardware failure - companies are increasingly at risk. Claims are growing rapidly, leaving companies liable for expensive lawsuits.
Wholesalers & Distributors
Flagler Insurance offers a broad range of coverages that are cost-effective and perfectly tailored for your business requirements if wholesaling or distributing. Get coverage specifically designed for today's wholesalers and distributors.
Our programs for wholesalers and distributors include exacting risk assessment and loss control expertise that can help reduce insurance costs for everyone from the small supplier to the large distributor.
Workers' Compensation
Workers' compensation insurance protects employers from claims
resulting from injuries to employees. It protects your business from
lawsuits and provides employees with compensation for on-the-job
injuries.
By law, most employers are required to provide coverage for lost wages and medical bills incurred as a result of on-the-job accidents or illnesses. For many businesses, this coverage is the largest part of its insurance expense.
Workers' Compensation Insurance Quote
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