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Business Insurance

Jacksonville, Florida

We offer a full line of commercial and business insurance coverage to protect the financial, physical and human assets of your company. No matter how big or small, we understand that running a business in today’s economy is a challenge and keeping up with your day-to-day operations likely takes all of your time.

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Coverage Detail

Coverage Details

Why Shapiro

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FAQs

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24/7 Customer Care

Protected from the Unexpected

Maximum Savings

Optimal Savings

Building a business in today's economy is tough

Unless you can predict the future, you can never be certain of what’s to come. But, you can rest assured that your business is well protected from the unexpected. At Shapiro Insurance Group, our products can be tailored to meet your unique business needs.

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Coverage Explained

Business Liability Insurance
Coverage for premises liability, personal injury, product liability, completed operations, host-liquor or fire legal liability in case someone outside the company is injured or damaged.
Workers Compensation Insurance
Provides coverage for your employees injured on-the-job or while performing work-related duties as required by Workers Compensation or state laws.
Business Property Insurance

Protection for your physical property, buildings, property of others, equipment breakdown, inflation guard, business income, spoilage and Ordinance or Law coverage.

Professional Liability Insurance
Insurance coverage for protection against negligence claims related to the providing of professional advice or services. In reference to medical professional, it is often called malpractice insurance. In reference to consultants, brokers and attorneys, it is often called errors and omissions (E&O) insurance. In reference to builders, developers, contractors and other trades, it is often called a surety bond.
Business Umbrella Coverage
Standard business liability insurance will provide protection in most situations, but if a serious situation should arise, umbrella liability coverage is needed for settlements that exceed the limits of a traditional business liability insurance policy.
Inland Marine Insurance Coverage
Originally created to protect goods in transit over water, today inland marine insurance protects goods in transit on land as well. This can also include mobile or portable equipment, photographer’s equipment, vending machines, art work and equipment used by service contractors or installers.
Business Crime Insurance
Optional Florida business insurance coverage for employee dishonesty, forgery, premises burglary, computer fraud, theft, alteration or destruction.
FAQ

Frequently asked questions

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What types of business insurance do I need?
The types of business insurance you need depend on various factors such as your industry, business size, location, and the specific risks your business faces. Common types of business insurance include General Liability Insurance (protects against third-party injury or property damage claims), Professional Liability Insurance (also known as Errors and Omissions Insurance, protects against claims of negligence or failing to perform your professional duties), Property Insurance (covers physical assets against fire, theft, and other perils), and Workers’ Compensation Insurance (covers employees in case of work-related injuries or illnesses). Assessing your business’s specific needs can help determine the right mix of policies.
How much does business insurance cost?

The cost of business insurance varies widely based on factors such as the type of business, the industry it operates in, coverage needs, the number of employees, and the business location. For example, a small home-based business might pay significantly less for insurance than a manufacturing company with multiple employees and high liability risks. To get an accurate estimate, it’s best to obtain quotes from multiple insurance providers, detailing your business’s specific needs and risks.

Can I change my business insurance policy once it's in place?

Yes, you can change your business insurance policy. It’s important to review your coverage regularly, especially as your business grows or changes, to ensure that you remain adequately protected. You might need to increase your coverage, add new policies, or adjust existing ones due to changes in your business operations, expansion into new areas, or the acquisition of new assets. Contact your insurance provider to discuss any needed adjustments; they can guide you on the process and any potential impact on your premiums.

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