Florida Business Insurance | Fuller Insurance

Restaurant Insurance, Church Insurance, Contractor Insurance, Garage Insurance Fuller Insurance is a leading business and commercial insurance agency for the communities of Destin, Miramar Beach, Santa Rosa Beach, and Panama City Beach, and Freeport Florida. We provide insurance coverages such as General Liability Insurance, Property Insurance, Hurricane and Windstorm Insurance, Business Auto Insurance, and Workers Comp Insurance to a variety of businesses.

General Liability Insurance The most common business insurance coverage, and usually the first coverage to be purchased, is General Liability Insurance. Businesses that rent office space or retail space are usually required by their landlords to have General Liability Insurance in place. The typical limit of insurance found on Florida General Liability Policies is $1,000,000 per occurrence and $2,000,000 aggregate. In addition, Florida General Liability Insurance Policies include coverage for Products and Completed Operations, Personal and Advertising Injury, Fire Damage/Tenant Legal Liability, and Medical Payments Coverage.

Property Insurance When a business owns personal property like office furniture or tools and equipment, then the business owner needs to purchase Property Insurance. Many people think that Property Insurance only covers real property, like a building or home. However, Property Insurance also covers business personal property, business contents, additions and alterations, tenant lease improvements, portable equipment, and even loss of business income.

Hurricane and Windstorm Insurance In most parts of the country, Property Insurance includes and covers for the peril of Windstorm and Hail (like a hurricane, tornado, strong windy thunderstorm, or a thunderstorm that produces hail). But in Florida, the peril of Windstorm and Hail may be excluded from the Property Insurance Coverage and the insured may be required to purchase Windstorm and Hail coverage on a separate policy from the state sponsored Citizens Property Insurance Corporation.

Business Auto Insurance The Fuller Insurance Team are experts at writing Florida Business Auto Insurance. In fact, we represent several A-rated insurance companies that write Florida Business Auto Insurance including Auto-Owners Insurance Company, Montgomery Insurance Company, Harleysville Insurance Company, Travelers Insurance Company, and Progressive Insurance Company. Whether it is a private passenger vehicle, a tow truck, a work van, or a delivery truck, Fuller Insurance can find a competitive Florida Business Auto Insurnace Policy for you.

Workers Compensation Insurance Since the Florida Legislature passed workers compensation Insurance reform legislation in 2003, the Florida workers compensation insurance market has become much more competitive and less expensive for Florida small business owners. The Florida state government still regulates the price of workers compensation insurance, nevertheless, a Florida small business owner can find some good deals in workers compensation insurance. Fuller Insurance represents several insurance companies that offer Florida workers compensation Insurance dividend plans. A dividend plan is a special workers compensation insurance policy that will return part of the premium to the insured or customer if the insurance company has a good year. There are no guarantees, but generally speaking, if you have a dividend plan attached to you Florida Workers Compensation insurance policy, there is a very good chance you will receive a dividend or return of premium the following year.

Special Florida Insurance Programs Fuller Insurance writes business and commercial insurance for any Florida business, but we specialize in certain kinds of business insurance: Florida Restaurant Insurance, Florida Church Insurance, Florida Electrical Contactor Insurance, Florida Plumbing Contractor Insurance, Florida Heating and Air Conditioning Contractor (HVAC) Insurance, and Florida Motor Vehicle Repair Garage Insurance. Individual team members at Fuller Insurance specialize in writing insurance for specific kinds of businesses. So, when you work with the Fuller Insurance Team you are working with experts! Florida business and commercial property insurance poses significant challenges for everyone living and working in Florida. The lack of affordable business and commercial property insurance that includes hurricane and windstorm insurance coverage leaves many businesses without the proper coverage or struggling to make outrageous premium payments. At Fuller Insurance, we understand the challanges a small business faces (we are a Florida small business and we have to buy insurance too!) When the Fuller Insurance Team gets to work on your insurance, we analyze every detail to ensure you receive the insurance coverage you need at the best price available.

We represent over 20 different business and commercial insurance companies including Auto-Owners Insurance Company, Montgomery Insurance Company, Travelers Insurance Company, Bankers Insurance Group, and Harleysville Insurance Company. In addition, we have access to specialty Florida commercial property insurers such as Landmark American Insurance Company and Lloyds of London. With this reputable portfolio of insurance companies, you can rest assured that you have chosen the right Florida Insurance Agency when you choose Fuller Insurance.

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Florida Business Insurance

Restaurant Insurance, Church Insurance, Contractor Insurance, Garage Insurance Fuller Insurance is a leading business and commercial insurance agency for the communities of Destin, Miramar Beach, Santa Rosa Beach, and Panama City Beach, and Freeport Florida. We provide insurance coverages such as General Liability Insurance, Property Insurance, Hurricane and Windstorm Insurance, Business Auto Insurance, and Workers Comp Insurance to a variety of businesses. General Liability Insurance The most common business insurance coverage, and usually the first coverage to be purchased, is General Liability Insurance. Businesses that rent office space or retail space are usually required by their landlords to have General Liability Insurance in place. The typical limit of insurance found on Florida General Liability Policies is $1,000,000 per occurrence and $2,000,000 aggregate. In addition, Florida General Liability Insurance Policies include coverage for Products and Completed Operations, Personal and Advertising Injury, Fire Damage/Tenant Legal Liability, and Medical Payments Coverage. Property Insurance When a business owns personal property like office furniture or tools and equipment, then the business owner needs to purchase Property Insurance. Many people think that Property Insurance only covers real property, like a building or home. However, Property Insurance also covers business personal property, business contents, additions and alterations, tenant lease improvements, portable equipment, and even loss of business income. Hurricane and Windstorm Insurance In most parts of the country, Property Insurance includes and covers for the peril of Windstorm and Hail (like a hurricane, tornado, strong windy thunderstorm, or a thunderstorm that produces hail). But in Florida, the peril of Windstorm and Hail may be excluded from the Property Insurance Coverage and the insured may be required to purchase Windstorm and Hail coverage on a separate policy from the state sponsored Citizens Property Insurance Corporation. Business Auto Insurance The Fuller Insurance Team are experts at writing Florida Business Auto Insurance. In fact, we represent several A-rated insurance companies that write Florida Business Auto Insurance including Auto-Owners Insurance Company, Montgomery Insurance Company, Harleysville Insurance Company, Travelers Insurance Company, and Progressive Insurance Company. Whether it is a private passenger vehicle, a tow truck, a work van, or a delivery truck, Fuller Insurance can find a competitive Florida Business Auto Insurnace Policy for you. Workers Compensation Insurance Since the Florida Legislature passed workers compensation Insurance reform legislation in 2003, the Florida workers compensation insurance market has become much more competitive and less expensive for Florida small business owners. The Florida state government still regulates the price of workers compensation insurance, nevertheless, a Florida small business owner can find some good deals in workers compensation insurance. Fuller Insurance represents several insurance companies that offer Florida workers compensation Insurance dividend plans. A dividend plan is a special workers compensation insurance policy that will return part of the premium to the insured or customer if the insurance company has a good year. There are no guarantees, but generally speaking, if you have a dividend plan attached to you Florida Workers Compensation insurance policy, there is a very good chance you will receive a dividend or return of premium the following year. Special Florida Insurance Programs Fuller Insurance writes business and commercial insurance for any Florida business, but we specialize in certain kinds of business insurance: Florida Restaurant Insurance, Florida Church Insurance, Florida Electrical Contactor Insurance, Florida Plumbing Contractor Insurance, Florida Heating and Air Conditioning Contractor (HVAC) Insurance, and Florida Motor Vehicle Repair Garage Insurance. Individual team members at Fuller Insurance specialize in writing insurance for specific kinds of businesses. So, when you work with the Fuller Insurance Team you are working with experts! Florida business and commercial property insurance poses significant challenges for everyone living and working in Florida. The lack of affordable business and commercial property insurance that includes hurricane and windstorm insurance coverage leaves many businesses without the proper coverage or struggling to make outrageous premium payments. At Fuller Insurance, we understand the challanges a small business faces (we are a Florida small business and we have to buy insurance too!) When the Fuller Insurance Team gets to work on your insurance, we analyze every detail to ensure you receive the insurance coverage you need at the best price available. We represent over 20 different business and commercial insurance companies including Auto-Owners Insurance Company, Montgomery Insurance Company, Travelers Insurance Company, Bankers Insurance Group, and Harleysville Insurance Company. In addition, we have access to specialty Florida commercial property insurers such as Landmark American Insurance Company and Lloyds of London. With this reputable portfolio of insurance companies, you can rest assured that you have chosen the right Florida Insurance Agency when you choose Fuller Insurance.