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Business & Commercial Insurance

Business & Commercial Insurance Information

Fort Lauderdale & Miami Business Insurance

When you open a business, you want to protect your profitability and other assets. A situation out of your control could cause costly damage. You don’t want to deplete your earnings trying to make repairs.

It is imperative that you protect your business with comprehensive insurance. Every business is unique. Therefore, each company needs exclusive, individual coverage for its own risks. A customized policy from Bruening Insurance can help you get quality coverage for your operation.

Here are just a few common coverage options that we can help you obtain:

Commercial Auto Insurance

Whether you need to buy a commercial auto insurance policy will depend on the kind of driving you do. Commercial auto insurance covers vehicles used during the course of business

Commercial auto insurance is different from a personal auto policy in many technical respects. Even though they have many similar coverage elements, personal auto policies often will not cover business vehicles.

One of our agents will be happy to explain to you the differences and options between personal and commercial auto insurance. They will ask you many details about how you use vehicles in your business. They might ask who will be driving and whether employees, if you have them, are likely to be driving their own cars for your business. This will help us determine the right coverage to meet your needs.

General Liability Insurance

Every business faces a risk of accidents, no matter how many precautions are in place to prevent them. Customers could slip and fall while visiting business, or the actions of employees could damage their property. General liability coverage pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.

General liability insurance can also help cover costs resulting from certain lawsuits. It can help prevent liability-based legal action from costing the company excessive assets.

The risks of lawsuits have dramatically increased in recent years. Therefore, make sure your general liability insurance adequately addresses your coverage needs.

Workers Compensation Insurance

Most states require that employers carry some form of workers compensation insurance. Workers compensation insurance serves as a valuable asset for injured employees. It also protects employers from taking a financial hit on account of an injured employee.

Workers compensation insurance helps provide income and assistance to employees who sustain job-related injuries or illnesses. This policy may pay for medical care or basic employee income while injured workers recover. It may also eliminate the need for litigation and cap the amount that injured employees may receive from the employer.

Let Us Help You

Since 1964, Bruening Insurance has provided insurance coverage to businesses across Florida. We can offer commercial coverage for businesses of all shapes and sizes.

As an independent agency, we represent a wide array of established insurance companies. Our team of agents can compare the coverage and cost offerings of different insurers to help you get the right business insurance. Whatever your needs, we have the expertise to help you find the coverage that is right for you.

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