Business Insurance

Your business is subject to many unforeseen risks and events, even when you leave no stones unturned to ensure that everything is in order. The best way to protect your valuable assets is by getting them insured under the most comprehensive plan possible.

A Business Owner’s Policy (BOP) is the most appropriate tool that can offer your business the maximum protection it needs. A BOP not only comes loaded with multiple insurance policies, but it also has the flexibility to change in proportion with your business.

Benefits you get from a BOP:

Property Insurance – offers coverage for your company’s physical structure (building) and its contents such as inventory, office equipment, furniture and computers.
Business Interruption Coverage – offers coverage for lost profits and expenses until the business is operational again. Business interruption can be due to many factors, such as loss or repair of machines or equipment.
Crime Insurance – offers coverage for lost or destroyed company assets either by employees or someone else.
Liability Insurance – offers coverage against civil suits or accidents, product liability, copyright infringement, injury or property damage.
Vehicle Coverage – offers coverage for rented or borrowed vehicles.

As a business owner, you not only benefit from an umbrella policy, but you also get to pay premiums that are less than the cost of purchasing individual insurance packages

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General Liability & Property

Running a business is no child’s play. Getting insurance for your company assets and employees is a good start, but it’s not enough. You also need to protect your business from legal action in case you ever get sued for bodily injury or property damage. That’s where a General liability insurance policy can offer you financial coverage in of case any unforeseen event.

A General Liability & Property Insurance policy will offer you the following benefits:

Bodily Injury – covers the cost of care and the loss of services resulting from injury.
Property Damage – covers for the physical damage to property of others or the loss of that property.
Product liability – Offers coverage for any product-related injury.
Products –Completed/Services Rendered – provides liability protection if an injury resulted from something your company made or service your company offered.
Others – Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Explosion Damage; Water Damage Liability Protection and Advertising Injury.

It is also important to know that General Liability Insurance does not protect your business from professional errors or negligence. General Liability Insurance is quite complex and not all insurance companies divulge coverage details.

Commercial Vehicles Insurance

If you own a business that utilizes vehicles for transporting people or products, you will need commercial vehicle insurance. But, what you should understand before buying commercial auto insurance is whether you are getting a comprehensive policy or one that is incomplete.

Here are some guidelines to remember when securing your commercial vehicle insurance quote:

Ideally the legal owner of the vehicles should be the principal insured.
You can protect a fleet by adding overnight premises exposure coverage. This can be added to existing property insurance.
Take references from local business firms on the credibility of the business auto insurance provider.
Commercial Vehicles Insurance provides comprehensive protection for bodily injury and property damage caused by company-owned vehicles and non-owned vehicles used for the business. Coverage can include automobile liability, uninsured motorists coverage, personal injury protection and physical damage.

To protect your business you must make sure you are carrying the right amount of protection.
Not all insurance companies will disclose the hidden components.

For a better review of our umbrella policy, call us (321) 255-3034.

Restaurant Insurance

No matter what kind of restaurant you own, you are prone to a variety of job hazards. The last thing you ever want is to be held liable for damages to property, contaminated food or spilled coffee.

As a restaurant owner, you have hundreds of things to take care of every day. That’s why our restaurant insurance experts have developed insurance plans that are easy to understand and that cater to your industry only. That way, you can concentrate on your restaurant and leave insurance related worries to us.

Why you should trust our Restaurant Insurance Solutions:

Many years of experience in restaurant insurance
24/7 responsive customer service
Dedicated claim analysts
Umbrella liability options
Multiple policy discounts
Periodic review of insurance policy

From fine dining restaurants to traditional cafes, bistros and takeout joints, Harbor City Insurance Agency Incorporated has a customized insurance plan for everyone.

Our Restaurant Insurance & Risk Management services include the following:

Commercial General Liability
Worker’s Compensation
Liquor Liability
Loss of Income
Food Spoilage
Business Interruption
Boiler & Machinery
Umbrella/Excess Liability
All Risks Coverage of Contents

For more information on our customized restaurant insurance plans, e-mail us at sales@cocoa-insurance.com or you can call us at (321) 255-3034.