Commercial Insurance Services
Untouchable Insurance offers a great variety of Commercial Insurance policies, to cover all aspects of your business activities. Our underwriters can customize or even create unique policies for your unique needs.
General Liability Insurance
Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.
General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations. Safe Insurance Group liability programs extend far beyond the provisions of typical policies, with broadened coverage and increased limits in numerous areas, including Bodily Injury, Property Damage, and specialized liability protection for specific business types.
Commercial Property Insurance
How much business could we actually do without computers, files, furniture, and product inventory? Protect these key components against the devastating effects of their loss with a business property insurance policy from Safe Insurance Group.
When most of us think of commercial property insurance, we usually think of large objects such as buildings and furniture. But it’s often the smallest pieces of commercial property that are most important to your business. That’s why an excellent commercial property insurance policy will help you survive the loss of any vital property, whether large or small. Our policies are scalable to the property you want to cover, so you can keep control over your insurance costs.
Commercial Trucking Insurance
As a private carrier, you are responsible for hauling goods in your own truck for your company or employer. Whether you’re working in construction, excavation, manufacturing, or any other private carrier capacity, we have truck insurance solutions for you.
Primary Liability – Every trucker/trucking company who operates under their own authority is required to carry primary liability coverage on all owned units and either provide this insurance for their leased vehicles or insure that the leased operator carries it on their own. Generally, the motor carrier provides this coverage for the leased operators but there are rare instances when this is not the case.
Restaurant and Bar Insurance
Restaurant ownership is hard work, and to open a restaurant in FL requires a substantial initial cash layout and lots of supervision of employees. Nonetheless, for the entrepreneur, restaurant businesses potentially provide good income potential. Protecting such a business with small business restaurant insurance Florida designed for eating establishments makes a lot of sense. Restaurants serve a full menu of food items which are served by a waitperson and consumed on the premises.
Builders Risk Insurance
How much coverage should you buy on a building that is just being built? Builders risk coverage is unusual because the building under construction does not have any value when construction begins. It does not reach its total value until construction is complete and coverage ends. This means that the values at risk are significantly less than the limit of insurance for almost the entire policy period. This situation is why standard property rates are not appropriate.
Custom homebuilders, general contractors and even property owners often find themselves searching for insurance coverage to protect personal or business projects under construction. With Florida builders risk insurance, they can get comprehensive coverage against all construction related risks.
Builders risk protects a person's or organizations insurable interest in materials, fixtures and/or equipment to be installed during the construction or renovation of a building or structure should those items sustain physical loss or damage from a covered cause. It is often required to comply with government regulations or as a condition to meeting banking or other contractual arrangements.
Contractor Insurance
If you are a contractor, chances are you’ve had some experience with construction insurance, whether it be bonding, workers compensation, or general liability. Sometimes a policy is required by companies you are subcontracting for, and frequently it is required by licensing and construction boards.
In construction, no two contractors have the same insurance policy. Your business is unique and so is your coverage. It’s essential that you know the basics of what you have and what you might need in the future to ensure you have the broadest protection.
Below are three general tiers of contractor coverage. These don’t represent every coverage and you might need a specific coverage from a different tier, but you can use these groupings to determine which insurance products to look into.
Garage Keeper Insurance
What Type of Protection Does Garage Keepers Insurance Offer?
There are three types of protection that garage keepers insurance can provide to an auto business.
Legal Liability
One of the most expensive types of claims that this type of policy will protect against is legal liability. This type of coverage protects the garage owner against damages caused by the negligence of one of its employees. For example, if the car was damaged by the mechanic during repairs, this coverage would kick in.
Direct Primary
According to Insurance Journal, this coverage will protect your customer's property if it's damaged by extreme weather or is stolen. This coverage will kick in no matter who is at fault for the damage.
Direct Excess
This is similar to direct primary coverage as it goes into effect regardless of fault. Yet, instead of covering the full amount for the theft or damage, it will cover the excess amount that the owner's original policy does not cover.
Surety Bonds
A surety bond is a promise to be liable for the debt, default, or failure of another. It is a three-party contract by which one party (the surety) guarantees the performance or obligations of a second party (the principal) to a third party (the obligee).
There are two broad categories of surety bonds: (1) contract surety bonds; and (2) commercial (also called miscellaneous) surety bonds.
Surety bonds that are written for construction projects are called contract surety bonds. A project owner (the obligee) seeks a contractor (the principal) to fulfill a contract. The contractor, through a surety bond producer, obtains a surety bond from a surety company. If the contractor defaults, the surety company is obligated to find another contractor to complete the contract or compensate the project owner for the financial loss incurred.
Special Events Insurance
Whether you are planning a corporate event, holding a large rock concert, or organizing a local flower festival, you will need special event insurance to ensure that you are covered for unexpected occurrences that may spoil the success you and your company may receive when the big day arrives.
Sample List of Special Events:
Corporate Events, Company Meetings, Auto Shows, Concerts, Sporting Events, Proms, Dances, Dog Shows, Parades, Ethnic Celebrations, and Horse Shows.
Landlord Insurance
Rental property insurance, also called landlord insurance, covers the unique risks taken in renting out your home or condo for long periods of time. Its coverage includes property damage, liability costs and loss of rental income for landlords renting their property. Whether you are renting out your house, a vacation home or an investment property, rental property insurance is an important safeguard against the financial risk associated with tenants living on your property.
Employee Practice Liability Insurance
EPLI covers businesses against claims by workers that their legal rights as employees of the company have been violated.
The number of lawsuits filed by employees against their employers has been rising. While most suits are filed against large corporations, no company is immune to such lawsuits. Recognizing that smaller companies now need this kind of protection, some insurers provide this coverage as an endorsement to their Business owners Policy (BOP). An endorsement changes the terms and conditions of the policy. Other companies offer EPLI as a stand-alone coverage.
