Commercial Insurance in Miami, FL

The business world is full of risks, perils and other mishaps that could harm your company’s financial interests. Given the many things that could go wrong on a daily basis, and the potentially significant fiscal consequences of even a single incident, your organization must have adequate insurance.

What Is Commercial Insurance?

Also known as business insurance, this type of insurance typically refers to a collection of coverages and policies that can limit out-of-pocket losses and provide financial stability following potential incidents. Business insurance portfolios are often composed of several types of insurance, although some insurers may offer bundled solutions, such as business owners policies. This type of insurance should be considered an essential investment for all businesses regardless of how you construct your coverage.

What Does it Cover?

Your company’s ideal business insurance portfolio varies depending on its unique circumstances, but several types of coverage may be advisable for most organizations. Consider prioritizing the following:

• General liability insurance for covering third-party losses for which your business is responsible
• Commercial property insurance for financially protecting your organization’s physical assets
• Workers’ compensation insurance for assisting employees who have been injured on the job or developed work-related illnesses
• Business interruption insurance for recouping lost revenue and paying for ongoing expenses following disruptions of normal operations
• Cyber liability insurance for managing the financial consequences of data breaches and cyberattacks
• Commercial auto insurance for securing financial aid following incidents involving company vehicles
• Errors and omissions insurance for limiting out-of-pocket losses should a client accuse you of providing inadequate services

Who Offers Commercial Insurance?

The dedicated team at Delia Izquierdo Insurance Agency is standing by to help your business assess its commercial insurance needs and secure ideal coverage. Contact us today to learn more or to get a personalized commercial insurance quote.