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Orlando Florida Property and Liability Insurance

Commercial property insurance may be one of the most important decisions you make when you launch a new venture or buy commercial property. Your policy should protect you against loss or damage to your company’s property and land. Even if you did not purchase land or a building and are renting a space, you will need to insure the contents of your space (inventory, furniture, equipment, supplies (on or off-site), and your investment in fixtures).

Depending on the policy and the item of property covered, your policy may cover the cost to repair or replace a damaged or lost item, or to compensate you for irreplaceable items. The exceptional part of these policies is the coverage that extends to your assets when they are away from your place of business.

Damage includes theft, natural disasters and accidents. Most policies cover fire and lightning, windstorm, explosions, hail, vandalism, sinkhole collapse, sprinkler leakage and damage caused by smoke, aircraft and vehicles. Depending on your business, you may want to take extra precautions. We can find supplemental coverage for breakage of glass and damage caused by: water, falling objects, and the weight of snow, ice or sleet.

Property insurance protects your company’s property, such as the actual building or land, and everything inside the building against most types of loss or damage. Contact us today for your free quote and to learn how to protect yourself and your business.

Similarly, selecting the right liability insurance plan may be crucial to your business’ longevity and your financial future. Liability insurance provides general liability coverage for your business.

Liability insurance provides protection should a a lawsuit arise out of the premises, service, operation or product of your business. The coverage also covers responses to injuries and accidents that result from negligence. Depending on the severity of the injury or accident, the amount rewarded may be minimal to millions, a range not worth risking. These policies can save you a lot of time, money and head aches.

Property and liability insurance are often combined, since their coverages complement each other. Liability insurance can be included in property insurance, or you can purchase two separate plans. We will discuss your business to help you determine which is the better choice for you.