The Different Types Of Insurance Products. Black Bear offers a variety of insurance polices to protect your business:
INSURANCE FOR FLORIDA BUSINESSES
BLACK BEAR ADVANTAGE
The agents at Black Bear will work with you to see if this coverage is a good option for your business. There are two forms available with this coverage, a nonreporting form, subject to a fixed limit, and a reporting form wherein the insured makes periodic reports of receivables and is charged a premium based on such averages. Black Bear will also help you throughout the term of your insurance policy and be available for any questions you might have or for any assistance you might need.
And others. Please contact our office or request a quote for additional information on how these policies can help cover the risks in your agriculture business.
At Black Bear, we can provide you with the detailed information you will need to determine what coverages and limits would best suit your business. With the rise in law suits involving automobile accidents, we always recommend you purchase the highest limits of liability insurance you can afford to protect your business. We will review all of your business automobile coverages and provide you with alternate quotes based on your needs.
At Black Bear, we can offer a builders risk policy to suit your particular needs. The limit of insurance you should purchase is based on full value of the building when it is complete. This particular policy will calculate the premium based on the length of the project and will level out the premium so that you will pay only for the amount of coverage needed at any point during the life of the construction project. If the project is not completed by the expiring term of the policy, we will assist in obtaining coverage until the building is complete or put to its intended use.
Black Bear Insurance Agency is dedicated to protecting your business, which is your livelihood. Many business owners depend on their business income to support their families and pay the necessary bills. If this income is stopped due to the business being shut down for a catastrophy, what is your plan to keep moving forward? A business income policy will provide the funds you need until your business is back up and running. If this is something that would be beneficial to your operations, please contact one of our agents so that we can discuss your needs.
At Black Bear Insurance Agency, we will always review your account to see if this policy is available for your type of business. If so, we will provide you with a quote and explain the options available.
Black Bear will assist you in learning about the various types of crime policies and will provide premium indications to let you know if the coverage will fit your budget needs and is a good value for your business. The types of crime policies include:
Forgery or Alteration
Theft of Money and Securities - Inside/Outside premises
Robbery or Safe Burglary of other Property - Inside/Outside premises
Money Orders and Counterfeit Money
Funds Transfer Fraud
Most claims that this protection cover arise out of lawsuits for corporation mismanagement. Black Bear will thoroughly assess your potential risks and exposures and provide you with quotes based on your needs and exposure.
The agents at Black Bear will work with you throughout the whole process of finding coverage and comparing it to other quotes. This coverage is available through inland marine markets and is not standardized. Comparisons must be made as to exclusions, on- and off-premises coverage and transit. Valuation basis is a consideration since most computer systems will not be replaced with like and quality due to changes in technology. As all industries are becoming more computerized, this coverage is vital. Black Bear will assist you in making sure that all your risks are properly covered.
Black Bear can work with you to put together a complete policy that will keep your business moving even if important machinery stops. We will put together a complete policy that protects your business for the need of the equipment and the losses that could result from breakdown, including the following additional coverage options for this policy:
Utility Interruption And others...
Black Bear will assist you in evaluating whether this coverage is important to your business. The floater will cover a contractor on an all risk or named perils basis for loss to all types of tools, machinery, and equipment owned, rented or borrowed by the insured. Neither the commercial property or commercial auto provide the extensive coverage that can be obtained under this policy. Please contact an agent in our office today for a free no obligation consultation and premium indication that will let you know if this coverage is right for your business.
At Black Bear, we will review the different types of options for Flood coverage and well as provide you with a premium indication for purchasing this important form of insurance protection. We can assist with reviewing the coverages as well as how the coverage applies in the event of a loss. Keep in mind that the entire State of Florida is in a Flood zone. Some zones are at a higher probability of flooding than others. If we look at statistics on past flood claims, 25% of flood losses were in the zones with less probability of flooding. Keep this in mind when reviewing this coverage.
At Black Bear, we can review your risk and provide you with a quote tailored to meet your business operation. Depending on the type of garage exposure you have, you may need additional endorsements that will provide the coverage you need to protect you against perils excluded from the basic garage policy. Some of these endorsements are False Pretense, Drive Away Collision, Personal Injury Protection, Garagekeepers, Uninsured Motorist Coverage, Physical Damage Coverage for owned, hired, leased vehicles. There are many other endorsements available for this type of coverage. Give us a call for a review of your business exposure.
At Black Bear, we can review this coverage in detail and advise how the coverages would apply in the event of claim. We could never advise on the amount of coverage that would be sufficient for your business. This decision would be yours to make. We would recommend purchasing the highest coverage available and affordable. This is not the type of coverage to want to cut corners with. Give our agents a call regarding your General Liability policy.
The agents at Black Bear Insurance Agency can work with you and your business to find a solution for your inland marine risks. This type of policy also allows for the most creativity to cover unusual risks. Please contact one of our agents today or request a quote below.
If your business installs products or oversees the installation of equipment, then Black Bear Insurance Agency can assist you in protecting your business from the risk of damaging property or the equipment during the installtion process.
The licensed agents at Black Bear Insurance Agency will evaluate your business operations and current insurance policies to let you know if carrying a liquor liability policy is necessary for your business. They will also discuss with you appropriate limits and the difference between an occurence or claims made form for your policy. As a vendor of alcohol, you have many additional risks and those need to be properly insured. Black Bear can assist you in protecting your business.
It should be comforting for you to know that you have partnered with an insurance agency like Black Bear that will allow you to receive the very best coverage for the price. The agents at Black Bear understand the needs of professionals in the health care industry and will provide you with all of the information you need to make an educated decision on your insurance and will provide you with the ongoing support to make sure your practice is always properly covered by your insurance policy.
If your business has the risk of a potential loss due to the chance of a pollution incident, then please contact one of our agents by requesting a quote below for a premium estimate on a pollution insurance policy to protect your business.
Common occupations that carry separate professional liability insurance are architects, engineers, accountants, insurance agents, real estate brokers, stockbrokers, financial planners, surveyors, and lawyers. The agents at Black Bear will sit down with you and review the coverage provided with a professional liability policy and offer a quotation.
At Black Bear, we can review the different types of Property Coverage available and offer a competitive rate. This type of coverage may be included in a Commercial Package Policy. The threat of hurricanes makes our state of Florida one of the most challenging areas for property insurance in the world. We have seen the result of this in increased premiums over the last few years. Black Bear is committed to working with you and your business to find the best coverage and rates available. Contact one of our agents today to see what we can do for your business.
At Black Bear Insurance Agency, we will provide you with the information you need regarding this coverage and can advise how the coverage will apply to your business. Please contact us today for a quote on your transportation insurance coverage.
At Black Bear, we can review your business and provide you with a quote for your exposure. We have access to a specific Trucking industry market that will provide you with the coverages you need at a competitive rate.
At Black Bear, we can review your type of risk and provide you with quotes for extra protection provided through an umbrella policy. In today’s litigious society, an umbrella policy is a standard with many businesses. It will provide the extra added protection needed for the business to survive in the event of a substantial award from a lawsuit.
The agents at Black Bear will review your property exposure and provide you with a quote to include the peril of windstorm and hail in the same policy. If there are factors present that will prevent us from finding a carrier willing to write this coverage together, then we will review these with you and advise you of the details on why this coverage cannot be written. We will then search for a market that is willing to write just the wind and hail exposure on your property. If you are interested in obtaining this coverage, please contact one of our agents or our office.
Workers' Compensation is the line of insurance that has the largest premium for most of our clients. At Black Bear Insurance Agency, we are able to work with you to control this cost. Reviewing classifications, checking experience modifications, controlling claims, reviewing audits, managing the claims process, arranging dividend plans, designing safety groups, and doing safety reviews with you are different tools that we have done with our clients that have shown positive results. We also take pride in finding the most competitive programs available for our clients to place their Workers' Compensation coverage.
Black Bear Insurance Agency was founded by a workers' compensation company and we know that our expertise in this coverage adds value to the service we provide our clients. We created another website that provides this information and is a resource for business owners on workers' compensation insurance in the the state of Florida. Please visit this website, FloridaWC.com, for more information on this type of insurance. Please feel free to fill out our online contact form or call our office to ask us any questions related to Florida workers' compensation or any other types of insurance coverage that we offer.
Black Bear Insurance Agency is proud to be a part of the following organizations for independent insurance agencies.