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Americas Insurance Associates helps Florida residents find coverage. We have partnerships with multiple carriers across the state. This helps us offer clients multiple types of policies that are designed to meet their various needs. Providing excellent customer service is a priority.

Common Commercial Insurance Add-Ons

As a Florida business owner, you have a lot of responsibilities. While securing the future of your business is a key object, you also have to make important decisions to help protect your business. Commercial insurance is a solid investment. Commercial insurance protects your business against potential emergencies. Liability coverage is essential, as an accident can occur at any moment. Liability coverage protects your business if one of your customers is injured on the property. Commercial insurance also protects all of your inventory and equipment if stolen or vandalized. Your business is also covered if an accidental fire or natural disaster causes damage to your equipment. Workers’ compensation helps you take care of your employees if there is an injury in the workplace. Workers’ compensation will cover your employees’ medical treatment. As you assess your policy, consider these common add-ons.

Business Interruption Coverage

Severe weather can happen at any time in Florida. In the unfortunate case that a hurricane or tornado moves into the area and causes damage to your business, interruption coverage is a safety net. This allows your business to continue functioning while the necessary repairs are made to your property.

Commercial Auto Coverage

If you transport different goods or provide a service, commercial auto insurance will protect you while you’re on the road. The coverage protects your business if you are held liable for an accident while traveling in a commercial vehicle. Any damage to your commercial vehicle is also covered.

Americas Insurance Associates Will Help You Protect Your Investment

Being a Full-Time Employee Working From Home

If you are a full-time employee working for a business that has you working from home, chances are, their business liability insurance policy will cover their equipment while you are working from home. As such, if your home gets broken into and the equipment is damaged, you may want to reach out to your employer to ask about their insurance policy. However, in some cases, your homeowners’ insurance policy may cover company computers if your home floods or catches on fire.

Working From Home as an Independent Contractor or Running Your Own Business

If you are running a business out of your home, and you are working as an independent contractor or are working for yourself, your equipment is not covered. Any element of a business is not covered by your homeowners’ insurance policy, including any product or equipment. You must have a separate business policy to protect a home-based business.

If you are working from home, your work equipment is not typically covered under your homeowners’ insurance policy. However, there are add-ons that you can add, such as business liability insurance, that may cover your equipment if you work from home. Reach out to Americas Insurance Associates, serving the greater Florida region, to get help finding you the ideal homeowners’ insurance policy to cover all of the items in your home.