Florida Business Insurance - Strassman Insurance, Lake Mary
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Florida Business Insurance

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Florida Business Owner

As a business owner, you are responsible for your own financial success, as well as the livelihood of your employees. Plus, you’re an important part of Florida’s economy. Strassman Insurance Group offers a Business Owners Policy (BOP) that is customized to meet the needs of your specific business, combining property insurance and liability coverage into a convenient policy. We give you the peace of mind to focus on achieving your goals.

 

What does Florida Business Insurance Cover?

Accounts receivable

 This comes standard with your BOP, and provides coverage for the increased cost of collecting payments – as well as the expense of reestablishing accounts receivable records – in the event of a loss, such as a fire that destroys your billing records.

Valuable papers and records

Also standard with your BOP, this covers damage/destruction of important business documents.

Property in transit or off premises 

Helps protect your property while it’s being transported to another location or while off of company property.

Spoilage coverage

Covers against loss of perishable items due to a power outage.

Building and personal property 

Protects your building and/or business personal property against loss from such destructive events as fire on a replacement cost basis set by the policy limits you select.

Business income and extra expense

Provides for income loss and expenses while your business is closed due to a covered loss, and can help with expenses related to setting up a temporary location while repairs are made.

Computer fraud and funds transfer fraud 

Provides for loss directly related to the use of any computer to fraudulently transfer funds, securities, etc.

Business property; loss of cash due to theft, robbery or destruction 

Covers property damage and loss of contents incurred as the result of a criminal act; covers against the loss of money or securities. Also covers against the loss of customer goods on your property.

Electronic data 

Covers repairing and restoring data compromised by malicious code that damages or destroys any part of your computer system.

Optional data compromise protection

provides case management, legal support, credit monitoring and legally required notifications in the case of a data breach resulting the loss or theft of customers’ personal information.

Employee dishonesty 

Optional coverage that provides protection in the event an employee commits theft of money or property from your business.

Florida Business liability insurance provides protections in the following categories

Employment practices

Optional coverage for wrongful termination, sexual harassment or discrimination lawsuits. Your coverage is based on a per-loss limit and an annual limit.

Employers non-owned auto liability

Optional coverage helps protect against liability as the result of an employee’s use of their own car while conducting business for your company.

Products and completed operations

Provides coverage for lawsuits filed claiming injury or illness caused by products you sold, distributed, produced or handled.

Data Compromise

Optional coverage provides for case management, legal support, credit monitoring and legally required notifications in the case of a data breach resulting the loss or theft of customers’ personal information.

General liability

Provides coverage for damages awarded to lawsuit plaintiffs due to an injury received while on your property. Your coverage is based on a per-loss limit and an annual limit.

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