Businesses know that accidents happen. A small accident can cost a small business big money. To prevent potential losses through unforeseen circumstances, commercial and business insurance is the best option. Coverage includes losses from theft, liability, property damage, injured employees, and interruption of business. Be proactive, and protect your business with business insurance in the Ocean Ridge Florida area.
GENERAL LIABILITY INSURANCE IN OCEAN RIDGE FLORIDA
General liability insurance covers claims arising from a liability dispute. Business liability insurance can relieve circumstances that occur due to damage or injury. Negligence or acts of omission during performance of duties or services can sometimes occur in general business. Oversights can be protected and prevented through commercial liability insurance.
COMMERCIAL UMBRELLA INSURANCE IN OCEAN RIDGE FLORIDA
This insurance policy works best when bundled with other insurances to protect business assets. As a business umbrella policy, this insurance provides broad coverage for assets and business income, as well as individual income. Umbrella insurance can fill the gaps from risk situations not covered in other policies. Since it is bundled with other primary insurances, Umbrella insurance can be purchased relatively inexpensively. It compliments other policies, and is an advantage for businesses to have.
WORKERS COMPENSATION INSURANCE IN OCEAN RIDGE FLORIDA
When an injury happens on the job, employees need time to recover. During that time, an individuals’ salary must still be earned, yet the employer has one less helping hand. These occurrences can cost a business time and money, but accidents happen nonetheless. To prepare for these accidents so all parties are taken care of, Workers Compensation Insurance or Workers Comp, is recommended. Workers comp insurance ensures that the injured person is taken care of, while the business deters injury as well.
COMMERCIAL PROPERTY INSURANCE IN OCEAN RIDGE FLORIDA
Physical locations of businesses are at risk, like other property damage or inventory damage that a business is susceptible to. Tragedies such as fire, theft, and natural disaster can set a business back for months in repair, if not ruining a facility completely. Prevention can keep your commercial building running smooth under any circumstance or condition. This type of commercial building insurance can be applied to manufacturers, retailers, service oriented businesses and nonprofits with a physical location. Keep property safe, and be proactive instead of reactive to disasters that may affect your business.
COMMERCIAL FLOOD INSURANCE IN OCEAN RIDGE FLORIDA
Flood insurance covers a business that experiences loss caused by flooding. This includes direct physical loss. A flood is defined as an excess of water in land areas that are dry in normal conditions. In designated areas, commercial flood insurance is required due to high risk. Don’t let a flood zone go unarmed. Business flood insurance is the wisest option.
HOMEOWNERS INSURANCE IN OCEAN RIDGE FLORIDA
Homeowners insurance covers losses and damages to a house and assets in the home. This property insurance is crucial for accident prevention and can also provide liability coverage against accidents in the home or on property. Different package policies can insure members of the household, spouses, and children. Your house is more than a home, it is a sanctuary, and deserves to be treated like one.
AUTO INSURANCE IN OCEAN RIDGE FLORIDA
Car insurance covers many facets of automobile incidents. Policies can range based on desired coverage, but common aspects of coverage are always offered. These can include bodily injury liability for collision and damage to property caused by insured persons. This also involves issues where the insured person is not at fault, such as collision damage, comprehensive coverage for damage outside of a collision, medical payments for injuries caused by any party, rental reimbursement for rental cars during repair, towing and labor for minor repairs, etc. Uninsured motorist coverage is also offered, and bundles vary based on individuals.
MOTORCYCLE INSURANCE IN OCEAN RIDGE FLORIDA
Motorcycle or bike insurance provides financial protection in the case of an incident. These include accidents, loss, theft or damage. Motorcycle insurance can also cover liability costs in case the insured is responsible for someone else’s injuries or property damage due to accident. This coverage can give clients peace of mind while riding. Protection can never be overlooked.
RV INSURANCE IN OCEAN RIDGE FLORIDA
Motorhome insurance can insure larger vehicles that individuals use for both residence and vacation purposes. Insurance varies based on desired coverage. It can range from comprehensive and collision coverage, to vacation liability, roadside assistance, and full replacement. Protect your assets and your vehicle with RV insurance, and prepare for accidents with injury coverage to make sure your next great adventure goes exactly as planned.
BOAT INSURANCE IN OCEAN RIDGE FLORIDA
Boat insurance varies based on the water vehicle size and desired coverage. Bundles can include repairs, roadside assistance, liability insurance, wreckage removal and fuel spill clean-up. If the water vehicle is for recreational purposes, yacht insurance is available. Pleasure boat insurance includes liability for bodily injury and damage to property. Personal property, comprehensive, and collision incidents can be covered. Marine insurance involves larger ships for cargo, terminals, and transport by which property is exchanged to a destination. This can include onshore and offshore exposed property, pipelines, ports, and oil platforms.
HEALTH INSURANCE IN OCEAN RIDGE FLORIDA
Health insurance is crucial for medical and surgical expenses that can easily incur a large balance. Medical insurance can pay for fees acquired due to health-related issues. This health insurance can reimburse the insured individual or pay the health care provider directly. Policies can cover or share the expenses obtained based on the coverage selected. Offsetting these costs can save an individual the headache of recovering from an accident.
LIFE INSURANCE IN OCEAN RIDGE FLORIDA
Life insurance can never substitute the loss of a loved one, but it can help offset the strife of dealing with the unexpected financial burden of this loss. A life insurance policy can either pay out a sum of money on the death of the insured individual or make payments after a set period of time. The purpose of this is to substitute the insured’s income for the named beneficiary. Financial burdens in the face of tragedy add unnecessary stress that can be alleviated through a life insurance policy.
FLOOD INSURANCE IN OCEAN RIDGE FLORIDA
Certain areas are at a higher risk for flooding, and this specific policy combats this disaster. Flood insurance covers property loss from flooding and can include damages sustained to the home. Floods are an unexpected misfortune that many people overlook. Water damage leads to underlying problems that can be avoided with flood insurance. Preparing is the perfect way to prevent tragedy.
AVIATION INSURANCE IN OCEAN RIDGE FLORIDA
Aviation insurance is specifically offered for the owning and operation of aviation vehicles. Aircraft insurance covers damage to aircrafts, personal injury, and property damage. Many different airplanes require coverage geared toward their needs. These variations include corporate aircraft insurance, commercial aviation insurance, private aircraft insurance, and aviation business insurance. Whether you’re flying for pleasure or for commercial use, all parties should be covered appropriately.
Call us today to learn how S.T. Good Insurance can give you the peace of mind you deserve when it comes to protecting your investments.