Putting up a business is one of the big thing you’ve dreamed. You buy car, a building and hire some workers. But, are you aware that you need to insure them in order to safeguard your business? These are types of a business insurance you might need:

BUSINESS AUTO INSURANCE
From crossing the countries to delivering different goods and products you don’t know what will happen across the roads. Accidents may happen in an instant. To avoid losing your investments due to an auto accident, get an auto Insurance to insure your vehicle, the driver and the product as well.

A commercial auto insurance covers the following:
• Bodily Injury Liability
• Medical Payments
• Personal Injury Protection
• Comprehensive Coverage
• Collision Coverage
• GAP Coverage
• Uninsured and Underinsured Motorist Coverage

BUSINESS OWNERS INSURANCE
A Business Owners Policy (BOP) allows for your business to create a customized insurance policy that combines, property, commercial general liability, crime insurance and more based on your business and its unique individual needs. It will keep the day to day operations to run smoothly and protected with the number of different options
• Products and Completed Operations
• Premises Liability
• Premises Medical
• Fire Legal Liability
• Business Income Insurance
• Building and Personal Property Protection
• On-Site Equipment Insurance
• Coverage for Inventory Loss
• Crime Insurance
• Island Marine

COMMERCIAL PROPERTY INSURANCE
Commercial property insurance, provides a wide range of coverage for buildings, inventory, equipment, tools and more. It covers losses from fire, natural or man-made damages, break ins and also vandalisms.



CONDOMINIUM ASSOCIATION INSURANCE
It will provide the protection for garages, the building grounds and the building infrastructure. In the event of a fire, flood, or any other unforeseen event that may leave you liable, condo association insurance will protect your assets and minimize risks.

LIABILITY INSURANCE

In today’s world of legal dispute, lawsuits against businesses are everywhere in Fort Myers, Florida. As a business owner you need to be prepared to protect the integrity of your company; if an accident or mistake turns into a claim.

The package may include:
• Errors and Omissions Liability
• Directors and Officers Liability
• Fiduciary Liability
• Employment Practices Liability
• Professional Liability
• General Liability

WORKERS COMPENSATION INSURANCE

Any Florida business which employs 4 or more employees or a contractor which has one employee, is required by Florida state to carry Florida Workers Compensation Insurance. Even if you have less than the amount of employees that requires this coverage every business should carry Florida Workers Compensation Insurance. This is important because if your employee is injured on the job, you are liable for their medical expenses and lost wages.

COMMERCIAL UMBRELLA INSURANCE

A commercial umbrella Insurance will give an additional coverage that are not included on your other insurance. It will be useful in major lawsuits or major accident exceed the limits of your existing policies. Commercial umbrella insurance coverage can safeguard your BUSINESS.

John Perry Insurance also offers auto insurance, homeowners, renters insurance and flood insurance, business insurance, liability insurance, condominium association insurance, motorcycle insurance, recreational vehicle insurance and more. We have offices located in 1008 W. Sagamore Ave., Suite 1, Clewiston, FL 33440. In Fort Myers at 5240 Bank St., Ste 3 Fort Myers, FL 33907, and in Labelle at 10 Bridge Street LaBelle, FL 33935, and also in Okeechobee at 3553 Hwy 441 South Okeechobee, FL 34974. You can contact our offices at 863-777-4966 for Clewiston, 239-204-3211 for Fort Myers, 863-588-7336 for Labelle and 863-824-5393 for Okeechobee.

We work with a number of insurance carriers in order to offer you the best solution to your individual association needs, including policies that offer directors and officers the maximum liability protection in the industry.