Click For A Quote

863-534-3431

Articles

Commercial Life Insurance

A commercial life insurance policy ensures that if something unexpected were to happen to one of your key employees, the financial needs of your Florida business would be protected.

87702420 editedEvery business in Florida has assets and property that are protected against loss, often including automobiles, a building, and office equipment. Commercial life insurance is a form of insurance that helps businesses protect their most valuable assets –their employees. A commercial life insurance policy ensures that if something unexpected were to happen to one of your key employees, the financial needs of your business would be protected.

At Wise Insurance Agency, LLC, we can help you select a commercial life insurance policy that complements your business’ situation and fully explain how it works to you. This way, not only are your company’s best interests protected, but you also understand how your life insurance policy would apply in case an unfortunate event occurs.

There are two primary factors that must be considered to determine how much life insurance your business needs. First, you need to estimate the cost of finding, hiring, and training a replacement employee. This may include the expenses associated with interviewing potential employees, employment agency fees, and moving the new employee to your location. Secondly, you should determine a dollar amount for the profit your key employee brings to your company every year and how many years it would take for another employee to perform at the same level of competence.

At Wise Insurance Agency, LLC, we are here to help you determine both of these factors and ultimately help you select the right commercial life insurance policy for your business. To find out more about how and why your company can benefit from this type of insurance, contact us today.

Commercial Trucking Insurance

One of our agents help you find the best commercial trucking insurance Florida, North Carolina, South Carolina, Virginia, Tennessee or Georgia company at a rate that can’t be beat

Whether you are a company that uses an expansive fleet of trucks or an entrepreneur with one single truck, you need commercial trucking insurance personalized to your specific business and its risks. Regardless of whether you have a few drivers who make deliveries, or your drivers operate tractor trailers and deliver freight at locations across the country, no two trucking businesses are the same in the way they use their vehicles, the risks that threaten their business, and the amount of coverage needed to protect their best interests.

At this point, you’re probably wondering how you can find the help you need to choose the right commercial trucking insurance for your business. At Wise Insurance Agency, LLC, we highly recommend that you start by giving us a call. Not only can one of our agents help you find the best policy for your Florida company at a rate that can’t be beat, but we will also be able to help you with every aspect of your coverage.

Similar to auto insurance, commercial trucking insurance usually comes with several different types of coverage, each of which are designed to safeguard your company and your personal assets from financial loss. For example, your policy will likely include commercial truck liability insurance, physical damage coverage, truck cargo coverage, and uninsured/underinsured motorist coverage.

At Wise Insurance Agency, LLC, our company exists to help yours find the best insurance coverage for its needs at the best \ price. To receive a free quote for commercial trucking insurance, contact us today.

{uniform form=4/}

Commercial General Liability Insurance

We are confident that you will be satisfied turning to us to help you acquire commercial general liability insurance in Florida.

177105781Commercial general liability insurance provides protection to your business in Florida from any damages to your property or potential injuries that might occur as a result of your business' operations. From legal fees to medical expenses, these policies are designed to cover costs that your business may not want or have the ability to pay out of pocket.

At Wise Insurance Agency, LLC, we believe that commercial general liability insurance isn’t just a nice thing for businesses to have. Instead, we believe that it is a necessity for all companies, regardless of what industry they are in. We encourage you to obtain one of these policies if you or your employees:

  • Interact with clients in-person, visit your clients at other places besides your location, or have your clients come to you
  • Have access to or use equipment that belongs to one of your clients
  • Represent your clients’ businesses in any way
  • Use a third-party location to run or operate any of your business' activities
  • Are required to possess general liability insurance before entering into a contract with a client or a service provider

We are confident that you will be satisfied turning to us to help you acquire commercial general liability insurance because our insurance professionals are experienced, dedicated to meeting your business’ specific insurance needs, and committed to helping you understand what your liability policy entails. To find out more about the importance of commercial general liability insurance or to receive a free quote on a new policy, give us a call at Wise Insurance Agency, LLC today.

Commercial Umbrella Insurance

We are here to help you understand your current liability coverage limits and determine how much umbrella insurance your specific Florida company needs in relation to the risks you face.

Home InsuranceCommercial umbrella insurance is a type of insurance that protects your business when an accident happens and the other liability insurance policies you possess are not enough to cover all of the expenses. For example, if you have a liability policy that covers your company for $1 million and you are sued for $1.7 million, your commercial umbrella insurance policy would cover the remaining $700,000, instead of it coming out of your company's profits.

While standard liability coverage will take care of your company in the majority of situations, an umbrella policy ensures that your business in Florida is protected in case a serious situation ever arises. For example, your commercial umbrella insurance policy may become necessary if:

  • Various injuries and damages occur after your business’ holiday party gets out of hand.
  • A carbon monoxide leak occurs at your business’ location and multiple injuries and/or deaths are caused.
  • Your business is unable to render the appropriate professional services for a situation.

At Wise Insurance Agency, LLC, we are here to help you understand your current liability coverage limits and determine how much umbrella insurance your specific company needs in relation to the risks you face.

We realize that no two businesses are alike and that your business’ commercial umbrella insurance policy should appropriately reflect your company’s liability needs. Whether you operate an auto body shop full of machinery or own a professional practice, at Wise Insurance Agency, LLC, we are confident that we can help you mitigate the risks your company faces and ensure your financial interests are protected.

Wise Insurance