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Coverage Category: Business

General Liability Insurance

General Liability insurance

Looking for General Liability Insurance in Miami?

Are you a business owner in Miami looking for General Liability Insurance? Our agency has you covered. It only takes one claim to financially cripple your business, so it’s important that you have adequate coverage from a highly rated carrier.

At it’s core, General Liability Insurance (a.k.a. CGL for Commercial General Liability) is the most basic form of commercial liability coverage. If you own a business, having General Liability coverage is not optional — it’s mandatory.

At EnsureUp, we represent a wide range of General Liability Insurance companies in Florida and can help pair your business type with the best possible provider and pricing.

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General Liability Insurance

What does General Liability Insurance Cover?

Business is inherently risky, but General Liability insurance protects against many known and unknown risks.

Simply put, CGL guards you, your business and your employees from claims involving bodily injury or property damage born out of your business operations. These policies cover the expense of out-of-court settlements, litigation and judgments awarded by courts. Often times CGL is paired with BPP (Business Personal Property) coverage in a BOP (Business Owners Policy).

Here are a few things you can expect General Liability Insurance to cover:

  • Lawsuits, investigations, and settlements
  • Injury damages
  • Advertising/Copyright claims

What’s involved with getting CGL Insurance?

With any type of insurance there are certain underwriting and eligibility questions that must be answered in order for the insurance company to determine what the final rating will be.

Our agency will guide you through the process and make it easy. Many times companies will require you to show them a certificate of insurance before you can do work for them.

This proves to them that you have active insurance coverage, which is typically a requirement if you’re running a business in most states.

If you’re confused by any of this don’t worry, we’ll make the process easy. Give us a call and we can help you get the process started when you’re ready.

CGL Insurance

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    Commercial Auto Insurance

    Commercial Auto insurance

    We’re the Commercial Auto Insurance specialists in Miami

    As a business owner, you may have one or more vehicles, such as delivery vehicles, taxis, limos or buses. The right commercial auto insurance covers you for accidents, injuries and other incidents that can put those investments at risk.

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    Commercial Auto Insurance
    Commercial Auto coverage

    What Commercial Auto coverage do you need, and how much?

    What are the risks to you, your drivers, and your business that commercial auto insurance can cover?

    Driver Distraction and Commercial Automobile Operation
    The Department of Transportation investigated the impact of distraction in commercial motor vehicle (CMV) crashes and safety-critical events in 2009. They found the following:

    • Drivers were involved in non-driving tasks in 71% of CMV crashes
    • Distracted driving caused 46% of near-crashes and 50% of safety-critical events

    Types of Vehicles Commercial Auto Insurance Covers

    Commercial automobile insurance is a broad term that refers to most commercial business automobiles, including but not limited to:

    • Company cars
    • Cargo Vans
    • Limos
    • Taxis
    • Buses
    • SUVs
    • Pickup trucks

    Commercial auto policies cover personal cars that are used for business, as well as SUVs, light-duty trucks, buses, limousines, taxicabs, vans and other delivery vehicles used solely for business purposes.

    The use of these automobiles is associated with a range of risk factors, including how you use them, how often, and how many miles they travel each year, among other factors. Insurance companies review these risk factors along with any efforts your company may make to improve driver safety when they assess the amount of coverage your business needs.

    If you are looking for coverage information on large trucks and heavy equipment used for business purposes, refer to the commercial truck insurance section.

    We’re the Commercial Auto Insurance specialists in Miami

    Commercial auto insurance is similar to personal auto insurance in basic coverage, such as liability, comprehensive, collision and other types of coverage that are specific to business vehicle use. A commercial auto policy is designed to protect your business from significant losses that could affect your company’s financial well being.

    Commercial auto insurance policies combine several different types of coverage – some are required and some are optional.

    Personal car insurance

    A typical policy includes some combination of the following:

    Bodily injury liability

    This portion of the commercial auto policy covers harm to others in an accident caused by you or your employee. Bodily injury coverage will provide compensation for medical costs, funeral costs if necessary, and the costs associated with a lawsuit. The amount of compensation your company receives depends upon the limit set on your bodily injury liability coverage, as well as your deductible.

    Property damage liability

    This coverage will pay the costs to repair property damage caused by you or your employee. The amount of coverage you receive is based on the limits you set and your deductibles. It is a good idea to work closely with an independent agent to assess your risks as well as the potential costs of injury, property damage and legal fees. For the best protection, consider buying a commercial umbrella liability policy.

    Collision

    As with your personal auto policy, a good commercial auto policy should include adequate collision coverage to pay for the damage to your vehicles in the event you or your employees cause an accident.

    Comprehensive

    Known also as “other than collision,” your comprehensive coverage is an important protection for damage to your vehicle or loss due to causes other than collision. These causes can include weather, theft, and vandalism.

    Uninsured and underinsured motorists

    If one of your drivers is in an accident caused by another motorist who does not have adequate insurance, this coverage will help to pay for damages and injuries to your vehicle and your driver, up to the limits set on your policy.

    Medical payments

    This coverage pays for medical and/or funeral expenses for you, your drivers and passengers after an accident.

    You might also buy coverage for a rental replacement auto if your company car is in the shop. You could opt to get towing and roadside assistance. Some insurance companies even provide very specific coverage for companies who load and unload cargo, due to the increased liability risk involved.

    The right commercial insurance can protect you, your business, and all of the drivers in your commercial cars, vans, pickup trucks or limos in an accident. One of the most critical ways to protect your company is by having adequate liability coverage in case you or one of your employees causes an accident that injures another person or damages their property.

    Commercial Auto Insurance Cover

    Does Commercial Auto Insurance Cover Personal Use?

    Small business owners and entrepreneurs often use their own cars while on the job without a second thought. However, it is important to know that your personal insurance may not cover commercial use of your auto.

    It’s very common for a small business owner to send an employee out on an errand, whether to get supplies from the local store or to give a business consultant a ride from the airport.

    If the staff member gets behind the wheel of his own car, and the business owner does not have a commercial auto insurance policy in place that covers that worker and his car, any injuries or damage that result from an accident may not be covered.

    Regardless of how much or how little you and your employees use personal vehicles in the course of doing business, getting adequate coverage in place can prevent a financially damaging event from putting your business at risk.

    An independent agent like EnsureUp, can provide all of your commercial coverage through one office. We can sit down with you, get to know your business, and learn how you and your employees use your business automobiles.

    We’ll ask a variety of questions designed to not only get you an accurate quote but also find discounts that may be available to you.

    You may be asked questions such as:

    • How many commercial automobiles do you have?
    • How are those vehicles used? For example, do they transport people, goods, hazardous materials, or food?
    • How many miles does each vehicle typically travel in a year?
    • How many drivers do you have?
    • What are their ages and level of experience?
    • Have your drivers taken a safe driving course?

    If you’re in the market for commercial auto insurance in Miami, or if you have coverage already but aren’t sure it’s comprehensive or competitively priced, we’ll give you an open and honest assessment of your coverage to determine whether or not you can do better.

    Automobiles Insurance

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      Workers Compensation Insurance

      Workers Compensation insurance

      Looking for Workers Compensation insurance in Florida?

      When your employees are taken care of, your business is taken care of.

      A key part of running your business is keeping employees safe at work. However, if one of your employees does suffer an injury, Workers Compensation coverage provides you and your employees with important protection.

      You pride yourself on operating a safe, secure work environment where your employees can perform to the best of their ability while helping your business grow. Even in the most ideal circumstances, the reality is that accidents and illness still happen.

      A slip and fall at a restaurant resulting in broken bones, an equipment malfunction at a construction site causing eye injury—it could be any number of things.

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      Workers Compensation insurance
      work insurance

      Am I required to have Workers Compensation Insurance?

      Workers Compensation coverage is a state-mandated insurance program that covers lost wages and medical treatment resulting from an employee’s work-related injury or illness. It also covers services needed to help an employee recover and return to work.

      In most states, work comp insurance is required.

      How Much Is Workers Compensation Insurance in Florida?

      Because coverage requirements vary by state, the cost of Workers Compensation depends on where your business operates. Other factors that affect your rates include…

      • The number of employees you have.
      • The type of work your employees do.
      • Your claims history.
      • Your industry.

      Like all insurance, Work Comp is priced based on risk.

      Riskier industries and jobs are more expensive to insure than less risky ones. To make sure prices are as fair as possible, they’re determined by classification codes.

      Each type of work or industry has a unique code that classifies the industry and risk, and helps the insurance carrier determine a suitable rate.

      One way to save money on your Workers Comp policy is to make sure you’ve classified every employee correctly. The secretary for a construction firm, for example, will have lower rates than the bricklayers.

      Workers Comp policy

      At EnsureUp, we understand the importance of keeping your employees safe and sound. After all, they are the foundation of your business.

      Call our office today and we’ll discuss your needs and options. You can also head over to our quotes page and get started that way too.

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        Business Property Insurance

        Business Property Insurance

        Is your Business Personal Property insurance adequate?

        Are you a business owner in Miami?

        Commercial property insurance is a special type of insurance that covers the company building as well as the contents owned by the company. “Property” can include a variety of types: lost income or business interruption, buildings, computers, money, and valuable papers.

        Under the liability policy coverage, the building should be protected from damaging events such as fire, burglary and vandalism.

        It may not be enough to cover just the building; the aftermath of such damage should be covered as well.

        EnsureUp will help you find the best coverage possible for your business!

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          Business Insurance

          Business insurance

          Do you need a better Business Insurance Package?

          Choosing the right business or commercial insurance plan for your business can be very confusing, so we have developed many different options and programs to meet the needs of our commercial insurance clients in Miami area and throughout the state of Florida.

          At EnsureUp, we can design a specialized package according to your property, liability, and casualty needs.

          We are also proactive in identifying any factors that may increase your premiums or change your risk, and provide consulting and risk management options to protect your business.

          Whether you are a retailer, wholesaler, contractor, or electrician, we can tailor a package to meet your specific needs and requirements. So give us a call today or fill out one of our free online quote forms.

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          Business Insurance Package
          Commercial Package policy

          Commercial Package policy vs. Business Owners Policy (BOP)

          Think of a Commercial Package Policy as a stereo system where you buy each component individually. So you would buy the receiver, speakers, remote, and every other part and accessory separate from each other.

          In contrast, a BOP policy is much like a stereo-in-a-box. All of the pieces you need come pre-packaged.

          Business Insurance products we help with

          • Business Owners Packages (BOP)
          • Commercial Auto
          • Business Personal Property
          • Business Umbrella Policies
          • Church Insurance
          • Restaurants
          • Errors and Omissions
          • Equipment Floater
          • Risk Management
          • General Liability
          • Contractors
          • Retail Stores
          • Plumbers
          • Professional Offices
          • Property Managers & Owners
          • Electricians
          • Workers Compensation
          • Commercial Building Property
          • Apartment Owners
          • Self Storage
          • Condominium Owners
          • Store & Lock Centers
          • Retail Stores
          • EPLI – Employment Practices Liability Insurance
          • Professional Liability Insurance
          • Directors & Officers
          • Landscapers
          • Cyber Liability
          • Pollution Liability
          • Painters
          • Liquor Liability
          • Medical Professional
          • Service & Repair Insurance
          • General Repair Shops
          • Garage Keepers
          • Auto Body Shops
          • Crime
          • Inland Marine
          • Builders Risk

          How to get started with your Business Insurance quote:

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          BOP policy









            Contractors Insurance

            Contractors insurance

            Looking for Contractors Insurance in Miami?

            EnsureUp is your local Contractors Insurance expert! We insure many different types of contractors from Landscapers, Electricians, Carpenters, and many more!

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            Contractors Insurance Expert
            independent contractors

            Who Needs Contractors Insurance?

            There are many types of independent contractors who all need independent contractors liability insurance and other coverage to match their specific risks. Some of the professionals that need contractors insurance include:

            • Independent construction contractors
            • Plumbers, carpenters, electricians and painters
            • Repair people
            • House and carpet cleaners
            • Freelance writers, editors and graphic designers
            • Independent hair stylists, and salon professionals
            • Horse or dog trainers

            Don’t underestimate your risk

            Getting the right independent contractors liability insurance in place can  protect you from lawsuits, mishaps and third party property damage that can devastate your business.

            Normally, you will need a few different categories of coverage for complete liability protection:

            • General liability: The foundation of all contractor insurance coverage is a general liability policy. This coverage will provide two types of protection:
              • Bodily injury: Provides coverage if you or someone you employ causes injury or death to a third party during the course of work. It provides for medical care for the injured person and covers your legal defense if you are sued for damages.
              • Property damage: Provides coverage if you or one of your employees causes damage to property belonging to others. This includes the building or property you are working on or any third-party property.
            Contractors Insurance Expert

            Completed operations/product

            Provides coverage in case a project you finished has an issue or causes damage. It can also extend to any products you sell or distribute.

            Advertising personal injury

            Covers the risk of damaging another’s reputation or causing a loss through slander, libel or false advertising claims.

            Contract liability

            This covers you in a contract dispute. It is not always included in general liability coverage so verify that you carry this coverage with your insurer.

            The specific independent contractors liability insurance coverage you need will be unique to your business. By working with a knowledgeable agent, you can ensure that you don’t have critical gaps in coverage that could leave you exposed to expensive legal claims.

            Business Owners policy

            Do you need a Business Owners policy?

            The contractors general liability coverages can often be bundled with a few other coverages to create a business owners policy, or BOP.

            This serves two purposes. It expands the policy to cover risks that small business owners face, and also typically results in a discount on the cost of your insurance.

            Normally, this coverage will make sense for you if you have employees. A small business is basically defined as a business that has up to 100 employees and generates about $5 million or less in annual revenues.

            Some of the additional coverages that can typically be bundled with a BOP include:

            Property damage

            This insurance covers your owned or rented property if it is damaged. This includes office buildings, storage facilities, warehouses, workshops, or garages. It does not cover commercial vehicles.

            Business income

            This protects you from loss of income if your business is interrupted due to a covered loss. It usually covers income and operating expenses for up to 12 months.

            Commercial auto

            Insures your cars, trucks, vans, specialized trucks or any vehicles used for business purposes.

            Do You Need Workers Compensation Insurance?

            As an independent contractor, you may or may not need to have workers compensation insurance. Workers Compensation regulations are mandated state by state. If you are in business for yourself, and you do not have employees, you are most likely not required to buy workers comp. However, in some states you need to purchase workers comp even if you don’t employ others.

            If you are a contractor who employs other workers, your state will most likely require you to carry this insurance. This policy protects workers from job-related illness, injury or death. It will also reimburse workers for lost wages if they cannot go back to work. The benefit to you, as the employer, is that this coverage can help to prevent losses from employee lawsuits.

            claims settlement

            Should You Consider Professional Liability Coverage?

            When you are looking for the right contractors insurance for your business, you will have many choices, including whether to buy professional liability insurance, also known as “errors and omission” insurance or “E & O.”

            E & O is a liability policy that protects you if you make a mistake that causes a financial loss to a client. Similar to general liability, it will provide legal defense and claims settlements, if necessary.

            You may want or need this coverage under the following circumstances:

            • You provide professional advice in your line of work. This can include everything from recommending a particular type of plumbing or wiring to providing interior design services.
            • You hire employees or subcontractors who provide any sort of advice or consulting services.
            • Your state requires you to have E & O insurance due to the work you perform.

            If you utilize subcontractors, it is a good idea to make certain they are insured with professional liability as well, as they may not be covered by your policy.

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