Business Insurance Coverages We Offer

There are many basic insurance options for your business, as well as tailored coverages for certain industries and professions. Some of the important business insurance coverages you may find through Toscano Insurance Group include:

General Liability Insurance

General liability insurance covers claims filed against your business concerning bodily injury, property damage, and personal or advertising injury.

This insurance can cover a victim’s medical bills if they are injured on your business’ property, as well as compensate for any property damage they may suffer. Personal and advertising injury coverage covers claims regarding libel, slander, copyright infringement or even theft of an advertising idea.

This insurance can cover your business for legal expenses in case of a lawsuit regarding any of these covered incidents.

Commercial Auto Insurance

Commercial auto insurance is utilized by businesses that may own or use vehicles for business purposes. Personal vehicles won’t always be covered under personal auto insurance, so it is important to have the right amount of coverage. A commercial auto insurance policy may include:

• Comprehensive Coverage: This coverage provides compensation for damages to the commercial vehicle caused by fire, wind, hail, lightning, theft or vandalism.
• Collision Coverage: This coverage provides compensation for damages to the vehicle caused by a collision with another vehicle or object.
• Liability: This covers bodily injury and property damage the driver may cause while operating the insured vehicle.
• Medical Payments Coverage: This coverage provides compensation for medical bills the driver and their passengers may face after an accident.
• Uninsured/Underinsured Motorist: This covers expenses related to an accident involving another driver who is not carrying insurance.

Businesses should also consider Hired and Non-Owned Auto, which covers vehicles that are not owned by the business, such as employee vehicles.

Workers Compensation Insurance

Workers compensation insurance covers injuries an employee may sustain on the job. This insurance can cover medical bills, wage replacement, disability benefits, and even death benefits in extreme cases.

Protect Your Business Today

Your business is an investment worth being protected. Protect it by connecting with an insurance professional from Toscano Insurance Group at (305) 397-8807 or fill out an online quote form to get started.

Common Business Insurance Questions

How Much Business Insurance Do I Need?
The amount of business insurance you need depends on a variety of factors, including the size and industry of your business. Speak with an agent today at (305) 397-8807 or contact us online to discuss the right policy for your business.

Why Is Insurance Important To A Business?
Businesses face a lot to gain, but they also risk losing a lot—especially when it comes to the first few years of operation. Insurance helps businesses balance the expenses of an accident or other claim without digging into funds to pay for damages and legal fees.

What Is The Best Insurance For A Small Business?
Every business is different, but many small businesses choose a business owners policy. A business owners policy combines general liability and commercial property coverage into a single, affordable and flexible insurance policy specifically geared for small businesses in low-risk industries.

What Business Insurance Is Required By Law?
Insurance laws differ between states and even industries, but most states require businesses to carry workers compensation insurance and, if applicable, commercial auto insurance. Additional insurance may be required to obtain certain licenses, as well.