8114 CORTEZ ROAD WEST -- BRADENTON, FLORIDA 34210

TEL# 941-794-0282 FAX: 941-794-1264

PARRISH TEL# 941-776- 3396

OVER 100 OFFICES THROUGHOUT FLORIDA

COMMERCIAL INSURANCE

THE THREE BASIC BUSINESS INSURANCE TYPES ARE PROPERTY, GENERAL LIABILITY AND WORKERS COMPENSATION.

PROPERTY INSURANCE COVERS YOUR BUILDING, POSSESSIONS, REAL PROPERTY AGAINST PHYSIACAL DAMAGE OR LOSS IN THE CASE OF THEFT OR OTHER CATASTROPHES.

GENERAL LIABILITY INSURANCE PROTECTS THE SMALL BUSINESS FROM EXPOSURES WHICH COULD INCLUDE LIABILITY FOR ACCIDENTS THAT OCCUR ON THE BUSSINESS'S PREMISES, AMONG OTHER THINGS. LIABILITY INSURANCE COMES IN THE FORM OF COMMERCIAL GENERAL LIABILITY INSURANCE

WORKER' S COMPENSTAION -- THIS IS A SPECIALIZED TYPE OF LIABILITY COVERAGE THAT YOU MUST HAVE, BY LAW, IF YOU EMPLOY PEOPLE. THIS INSURANCE PAYS A WORKER IN THE EVENT THAT THEY BECOME INJURED ON THE JOB. THE PREMIUMS ARE BASED ON THE TYPE OF WORK AND THE CLAIMS HISTORY OF THE BUSINESS. FOR INSTANCE THE RATING OF A ROOFER WOULD BE MUCH HIGHER THAN THAT OF AN ACCOUNTING FIRM,

OTHER TYPES OF BUSINESS INSURANCE WOULD BE : PRODUCT LIABILITY INSURANCE ERRORS AND OMISSIONS BUSINESS INCOME INSURANCE BUSINESS AUTO