How Commercial General Liability Insurance Can Protect Your South Florida Business How much coverage should you have? As a South Florida business owner, you are well aware of all of the little extra costs that can accrue while running it. Some are necessary and some are not, but if you are thinking about scrimping on commercial general liability insurance it would be a mistake. In this lawsuit-happy world, if your business was found liable for one of your employee’s careless actions, it could send your company into a tailspin even in the best case scenario. In the worst case, the money you are on the hook for could even cause you to close your doors. The good news is this is where general liability coverage comes in. Needless to say, it is important for you to fully understand what commercial liability insurance is and how it can fully protect your South Florida business. Here are some facts:
Commercial liability insurance defined The best definition for commercial liability insurance would be that it is a type of coverage that will protect your business from property damage claims, personal injury, advertising injury and bodily injury claims that could serious hurt your business and your business assets. Commercial liability insurance can also cover injuries to customers or clients and can help pay for any potential legal or medical fees if any incident leads to a lawsuit or a hospital stay.
For instance, if you have a restaurant on A1A in Fort Lauderdale or on Atlantic Ave in Delray Beach and a patron slips and falls, this type of insurance would cover you.
Occupational injuries can be a very serious matter.
One thing that can be a very serious issue for your business would be the potential for occupational injuries. Simply put, this is a situation where one of your employees was hurt while on the job. If it can be proven that their injury was through the negligence of a co-worker or someone else affiliated with the business, this could definitely become a serious legal issue. This is with good reason as well, especially when you consider the fact that in 2016 there were over 300 instances in Florida where an individual lost their life while working on the job.
If you have a dangerous line of work, such as construction worker, roofer, cell phone tower worker, etc. commercial liability can be a lifesaver for you.
There are some occupations popular in Palm Beach, Broward and Dade County where commercial liability insurance can really help you protect yourself and your business.
Restaurant workers often deal with hot dishes, burning pots and pans, and a number of hazards such as the possibility for things to spill and create a fall hazard. From Sushi at Mizner Park in Boca to steak houses on Federal Highway in Fort Lauderdale, commercial liability insurance can cover restaurants extremely well.
Of course, the obvious potential injury here would be falls. However, roofers across South Florida also work in extreme heat with little opportunity for shade, so weather-related injuries can occur fairly often as well.
Construction and remodeling contractors:
The South Florida construction industry is booming and is teaming with workers that need to be covered. From building skyscrapers on Brickell in Miami to new condos in Delray Beach, these individuals often work with dangerous tools and machinery. They also have to work from elevations at different times as well.
Get your general liability insurance looked at just to be safe
These and many other workplace jobs all will require you to have solid commercial liability coverage. Of course, considering the type of job, all of this begs the question: do you have enough commercial coverage? We can help you out there as well. Candice is one of our top agents and here is what she has to say to you: “It doesn’t take much for us to review your policy if you have a copy of it - we’re happy to review your coverage to see if you are well protected.” Like Candice says, this insurance referral company stands ready to serve you. If you are not sure if your business is covered enough, give us a call today at 561-395-5220 or click here.