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Understanding Your Certificate of Insurance

Understanding Your Certificate of Insurance

If you have a small business, you are probably aware that you need a Certificate of Insurance (COI).

You might have been asked to provide one by a savvy consumer or potential landlord. Or perhaps your independent insurance agent advised that you have one.

You may not even have the slightest clue what it is.

As Central Florida-based independent insurance agents, we not only know what a Certificate of Insurance is, we’re also used to answering questions about them. Let’s answer some of your top questions about your Certificate of Insurance.

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Rideshare Insurance 101

With millions of drivers between them, ridesharing platforms like Uber and Lyft remain popular for anybody with a dependable car looking to make some extra cash.

But while you may have wondered whether you can actually make a living as an Uber driver, you might not have bothered to think about another crucial number: rideshare insurance.

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What's the difference between personal and commercial auto insurance?

What’s the Difference Between Personal and Commercial Auto Insurance?

If you own any type of business, you probably know that a Business Owner’s Policy (BOP) is an essential tool to have in your insurance arsenal. But it’s not the only kind of commercial insurance you need.

Your BOP doesn’t provide any coverage for vehicles, so you’ll need a separate policy if you want auto insurance. (Trust us, you do!)

You might have heard from other well-meaning business owners that your personal auto insurance will cover business use. In most cases, this isn’t true.

Let’s take a look at the difference between personal and commercial auto insurance.
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Here's why general liability insurance coverage isn't enough to protect your business.

Why General Liability Insurance Coverage Isn’t Enough

Most business owners hear the phrase “general liability insurance” and assume that they are covered against “general” liabilities.

This assumption could not be further from the truth.

The fact is, as a business owner, your general liability insurance coverage isn’t enough to protect your business from every foreseeable risk.

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Understanding Commercial Auto Insurance in Florida

Understanding Commercial Auto Insurance in Florida

As a business owner, you’ve heard about (or currently carry) a variety of different commercial insurance types, from worker’s comp to EPLI insurance.

But if you own (or want to start) a business that relies on any kind of vehicle, one type of insurance you can’t go without is commercial auto insurance.

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How EPLI Insurance Can Save Your Business

How EPLI Insurance Can Save Your Business

After your BOP, Employment Practices Liability Insurance (EPLI) is one of the most important commercial insurance policies you will ever purchase.

Along with worker’s comp, liquor liability coverage, and commercial auto, EPLI insurance is an essential addition to any business looking to build a comprehensive portfolio of coverage.
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7 Factors That Affect Your Small Business Insurance Cost

7 Factors That Affect Your Small Business Insurance Cost

You’ve registered with SunBiz.org, signed a lease, and maybe even hired your first employee. But then a friend asks about your insurance. What does small business insurance cost, anyway? What should you expect?

Your business insurance premiums depends a lot on your unique business, but it doesn’t help you to just say, “It all depends; contact your agent” without also giving you a little bit of insight into how several different factors affect your small business insurance cost.
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