Commercial Insurance in Florida | UNIVISTA INSURANCE

Commercial Business Insurance

Businesses of all sizes drive the American economy. We understand that business owners like you work hard every day, taking risks to better serve your customers, employ more people and strive to be successful. As a leading commercial and business insurance agency, we can help you build and protect your business by providing customized insurance solutions to support you and your budget. You can rely on Univista Insurance expertise to tailor a policy that’s right for you, your business and your budget.

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Commercial Insurance Policy

Employees want to feel safe in the workplace and as an employer, it is their legal responsibility to make it so. However, accidents do happen and in order to better protect employers from lawsuits, businesses may be required to buy worker’s compensation insurance.

The companies we represent rank amongst the largest commercial insurance companies in Florida and California. Univista insurance provides insurance options for all business sizes and types of business at affordable prices. We are ready to assist you in tailoring an insurance policy that provides optimal coverage for your property, assets and employees.

We can help you better understand commercial insurance and its important role in your business. Allow us the opportunity to serve your commercial insurance needs. Look over our site, use the information and request a commercial quote online or contact one of our licensed agents by calling (305) 995-0032.

In most cases, commercial truck insurance is required for your work vehicles: pickup trucks, bucket trucks, catering trucks, refrigerator trucks, stakebed trucks, box trucks and more. Commercial truck insurance comes with several types of coverage, as many as auto insurance policies. They are designed to protect your business and your employees from catastrophic loss. The coverage you need may include: commercial truck liability insurance, physical damage coverage, truck cargo coverage or motorists coverage.

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Commercial Auto

Commercial auto insurance covers injuries that you or your employees may cause to other people and their property while driving. Commercial auto insurance also protects you, your workers and your vehicle(s).

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Business owners Policy (BOP)

A business owners policy, also known as BOP insurance, combines various insurance coverage with additional protection into one convenient package. If you’re not sure what coverage is right for your business, or have not considered a BOP, learn how a BOP insurance policy can protect your business by giving Univista Insurance a call today at (305) 995-0032 and speaking to one of our licensed agents.

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Workers compensation

This coverage can help pay for an injured employee’s medical treatment and lost wages if a job-related injury requires time off work. Workers’ compensation also can protect your business and assets.

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Commercial Property Insurance

Basic property insurance usually covers losses caused by fire, lightning, wind and hail, or acts of vandalism. Additional coverage can be added for earthquakes and breakage of glass. The essential items to insure in a business property insurance plan include your building, office equipment, inventory and outdoor items on the premises such as fencing, storage sheds, or outdoor signs. Commercial property insurance plans pay for losses based on the replacement cost of the item or its actual cash value. Replacement cost (RC) refers to the amount necessary to repair, replace or rebuild property on the same premises, with comparable materials and quality without deducting any amount for depreciation. Actual cash value (ACV) is the cost to replace it with new property of similar style and quality, less depreciation. Typically, the premiums for policies covering property insured on an ACV basis are lower because a lower limit is used due to the deduction for depreciation. This amount might not be enough if you elect to insure the property on a RC basis. Give Univista Insurance a call today and allow us the opportunity to tailor a Commercial Package Policy (CPP) that fits your business needs.

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Business Liability Insurance

Business Liability Insurance Coverage is something businesses simply must have, so it’s essential that you understand what it does and doesn’t cover. Give Univista Insurance a call today at (305) 995-0032 and allow one of our licensed agents to explain to you what’s typically and not typically protected in a General Liability Insurance Policy.

cyber insurance

Cyber Liability

This coverage helps offset the devastating effects of a data breach or computer attack can have on your business from a financial and reputational standpoint.

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Crime Insurance

This coverage helps protect your business against, burglary, robbery, forgery, computer fraud, employee dishonesty and other crimes.

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Business Income

This coverage can help you cover payroll, pay for relocation expenses and replace lost income when a covered loss forces your business to close temporarily.

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Accounts Receivable

This coverage helps protect your business against losses caused by the inability to collect payment from a customer, as well as damaged accounts receivable records.

equipment insurance

Equipment Breakdown

This coverage helps protect you against equipment failures, including mechanical malfunctions, power surges and operator error, and any associated losses.

inland-marine insurance

Inland Marine

This coverage helps protect your property in transit, as well as fine artwork and computer equipment and data.

builders insurance

Builder’s Risk

This coverage helps protect your construction projects throughout every phase, from groundbreaking to ribbon cutting.

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Employment Practices Liability (EPL)

This coverage can help protect your business from employee lawsuits resulting in alleged discrimination, wrongful termination, harassment or other employment related issues.

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Errors and Omissions (E&O)

Errors and omissions insurance is a type of liability coverage that protects your business against client lawsuits caused by alleged negligent acts, errors or omissions. E&O insurance typically covers you, your employees and your sub-contractors.

Get the information you need to choose the right coverage for you!
Speak to a Licensed Univista Insurance Agent Today!
Call now! (305) 995-0032