General Liability & Property Insurance Florida
A General Liability (GL) insurance policy protects a business from real or alleged injury. Policies typically cover bodily injury occurring on your business premises or arising from your operations. This may include a person falling and breaking a leg. A general liability policy also protects your business against personal Injury (libel or slander), copyright infringement or wrongful eviction. General liability policies cover claims in the following four basic areas of business liability:
- Bodily Injury
- Property Damage
- Personal Injury (including slander or libel)
- Advertising Injury
In addition, general Liability policies also cover the costs to defend and pay claims or settlements, even if the claims are fraudulent. General liability insurance is a must for healthcare providers or any other business.
Property insurance in Florida
Property Insurance protects your business against losses when the property is damaged or destroyed. The property is considered to be any item that has a value such a building, computers, office furniture or medical equipment. Property insurance policies typically cover explosions, fire, lightning, windstorm, hail, smoke, aircraft or vehicle damage, vandalism, sprinkler leakage and sinkhole collapse. Additional coverage can be added for water damage, damage from the weight of snow, ice or sleet; breakage of glass; and falling objects.
Business Owners Policy
A Business Owners Policy (BOP) combines general liability insurance, property insurance and other types of coverage which can be added to customize the policy and meet the specific needs of a business. The Business Owners Policy structured for healthcare providers may include coverages such as:
- General Liability
- Contents (furniture, computers, medical equipment, etc.)
- Loss of business income and extra expense
- Hired and non-owned auto
- Employee benefits liability
- employee dishonesty
- Equipment breakdown
- Spoilage, etc.
Fill out and submit the contact form on this page, or call Oros Risk Solutions today at 1-866-596-3859 to arrange to speak with one of our knowledgeable specialists about Property and General Liability Coverage.