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10 Business Insurance Myths Debunked!

10 Business Insurance Myths Debunked

There’s a lot of misinformation about business insurance. Allow us to set the record straight.

Learn the truth behind these common business insurance myths so you can set yourself up for success. 

As a small business ourselves, the Harry Levine Insurance agency hates to see local businesses with the wrong insurance policies.

Whether it’s someone with unnecessary policies, too little coverage, or—worse still—no insurance at all, we can usually trace it down to one thing: misinformation.

Too many people have fallen prey to these business insurance myths for us not to address them. So we’ve gathered up the 10 most popular myths people believe about commercial insurance and debunked them, one at a time.

 

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11 Myths About Florida Workers Comp Insurance (That You Probably Believe)

11 Myths About Florida Workers’ Compensation Insurance (That You Probably Believe)

You’ve heard of workers’ compensation. You may even have had employees who needed it when they were injured at work. But there are also many myths and misinformation about Florida workers’ compensation insurance that you might believe.

Misinformation that could be preventing you from getting the best coverage.

As a Florida insurance agency, our goal is for all of our clients to have the right amount of workers’ compensation coverage for their property, person, and business. And—whether you work for or own a small business—you need to know the truth about Florida workers’ compensation insurance.
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The Types of Handyman Insurance Every Pro Needs

The Types of Handyman Insurance Every Pro Needs

As a handyman, you know how important it is to have the right tools for the job: a selection of screwdrivers and drill bits, a sturdy ladder, a good pair of work gloves….

But there’s one more important thing you need that you can’t find in a hardware store: the right handyman insurance.

While there aren’t any policies specifically labeled “handyman insurance,” there are certain types of coverage that no handyman should be without. In this article, we’ll talk about the different types of insurance you need as a handyman as well as how to use your coverage to increase your clients’ trust.
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Should I File For a Workers' Comp Exemption?

Should I File For a Workers’ Comp Exemption?

Workers’ compensation insurance is a crucial—and often mandatory—part of owning a business in Florida.

But if you’ve owned a business for some time (or spent enough time around insurance agents), you might have heard of some business owners filing for a workers’ comp exemption.

Filing a workers’ comp exemption is a complex issue that should not be taken lightly. There are requirements that must be met and proper procedures to follow.

So what exactly is a workers’ comp exemption, how does it work, and is it right for you?
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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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What Is Workers Compensation Insurance? (And Why Do You Need It?)

You may have seen attorney commercials on TV talking about workers compensation claims. Maybe you know someone who was injured on the job and needed to be on desk duty until their foot healed.

Or maybe, most importantly, you’re starting a business and need to purchase workers comp insurance for yourself.

But what is workers compensation insurance, exactly? And do you really need it?

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Insurance for contractors

Insurance for Contractors (What It Is & Why You Need It)

Carrying the right insurance for contractors is just as important as having the right drill bit: it can keep you in business for years to come.

Construction projects are, by their very nature, filled with risk: heavy tools, sharp objects, demolition…need we say more? So when your customers trust you with their homes or businesses, it’s vital to earn and keep their trust; you can do this best by providing top-notch work and protecting them (and yourself) from that risk.

How can you do that? It’s all about having the right insurance policy.

In this article we’ll talk about the different types of insurance for contractors and how to use your coverage to increase your clients’ trust.

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9 types of restaurant insurance you needed yesterday

9 Types of Restaurant Insurance You Needed Yesterday

Owning a restaurant is a dream you’ve held for years and now it’s coming true! You’ve thought about your menu, seating options, even your logo, but have you thought about restaurant insurance?

Between your inventory, customers, and the business itself, restaurants carry a large amount of risk. But your pizza parlor, bakery, or cafe is also your livelihood. Is that a risk you’re willing to take? Having the right restaurant insurance policy can prevent you from having to kiss your dream goodbye.

So let’s take a look at 9 essential types of restaurant insurance that will keep you in business for years to come.

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Does your business need insurance even if you run an LLC out of your home? Yes!

Does Your Business Need Insurance?

Let’s say you run a small business from your home. You don’t have employees; customers don’t come into your store (so no risk of them slipping on a wet floor and suing you); and your custom-designed hair bows aren’t going to injure anyone. Does your business need insurance?

In short, yes.

No matter how safe your business is—or how careful you are—there’s no such thing as a “risk-free” business.
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