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Small Business Liability Insurance in Chipley, Panama City, FL and Throughout the Pan Handle

Small businesses face many of the same risks as larger companies, but don't have the same resources to fall back on if something goes wrong—that's where small business insurance comes in. This policy can reimburse you for certain forms of loss, giving you the time and support you need to get back on your feet and resume your normal operations. This coverage is so important that over 90% of small business see it as a worthwhile investment even when they don't have a lot of cash to spare.

When you're choosing a policy, Desoto-Moulton Insurance agents can ensure that the policy's limit is high enough to cover your risks. The fact that your business is small doesn't shield you from costly claims, so it's important to obtain the best coverage you can as soon as your company's growth permits. In particular, be sure to increase your policy's limits as your company's revenue grows.

Small Business Coverage

As explained by the Small Business Administration, there are three types of liability coverage that small businesses commonly need:

  • General Liability Insurance covers issues with negligence, injuries, and accidents. Its main emphasis is on helping with the costs of legal defense, as well as providing coverage if you lose your case.
  • Product Liability Insurance is for companies that deal with physical products of some kind. The main focus of this coverage is reimbursing you for claims that arise from injuries caused by a defective product. If you deal exclusively in digital products and services, this policy will not cover those—ask one of our agents about your options.
  • Professional Liability Insurance focuses on errors and negligence that may occur during the course of providing products or services to your customers. If any of the advice you give them is wrong, they may sue for damages, and this policy will help to reimburse you.

Most companies can get by with these three types of small business liability insurance. However, you may need additional coverage if your operations are high-risk enough that a standard policy won't cover them. If you're not sure whether or not your policy covers your operations, our agents would be happy to discuss the issue and make any changes that may be necessary.

Making Sure Your Business Can Get Coverage

Most small businesses can obtain liability insurance without trouble. The only common exceptions to this are companies that operate in industries that are particularly high-risk—for example, companies producing acids for industrial use may find it harder to get coverage. If you're worried that some aspect of your business will increase your premiums or make it more difficult to obtain coverage in the first place, call Desoto-Moulton Insurance today and ask for guidance. You may find that there is no problem getting insurance at all—and if there is, we may be able to help you reduce your risks and bring premiums into an affordable range.

 

1. "Business & Employee Insurance Issues Among U.S. Small Businesses." National Association of Insurance Commissioners. Accessed April 21, 2016. http://www.naic.org/documents/newsroom_small_business_summary.pdf.

2. "Finding Coverage That Matches Your Business Size." III. Accessed April 21, 2016. http://www.iii.org/article/finding-coverage-that-matches-your-business-size.

3. "Types of Business Insurance." The U.S. Small Business Administration | SBA.gov. Accessed April 21, 2016. https://www.sba.gov/managing-business/running-business/insurance/types-business-insurance.

Our Locations

Vero Beach Office

948 20th Street
Vero Beach, FL 32960
Main office: 772-564-8322

Arcadia, FL Office

243 N. Brevard Ave
Arcadia, FL 34266
Main office: 863-494-2242

Chipley, FL Office

1314 Jackson Ave
Chipley, FL 32428
Main office: 850-547-2161

Coral Gables, FL Office

770 Ponce De Leon Blvd, STE 130
Coral Gables, FL 33134
Main office: 305-446-5800

Lakeland, FL Office

2411 US Hwy 98 N
Lakeland, FL 33805
Main office: 863-687-7137

Rockledge Office

2025 Murrell Rd, Ste 130
Rockledge, FL 32955
Main office: 321-441-3615

Sarasota, FL Office

5483 Fruitville Road
Sarasota, FL 34232
Main office: 941-366-3322

Our Providers

Smart and Professional are the two words that describe this group. The entire staff is exceptional at what they do & knowledgeable in the industry.
Brittany A
I have had my homeowner's insurance with The Moulton Agency for 6 or 7 years now, and I stick with them because of their great customer service. Whenever a company raises my rates, they cheerfully help me find a new company with the lowest rates. I have gotten quotes from other offices to compare, but Moulton always comes through with the best product. They are very friendly and professional. I am happy to recommend them!
Sandra M
Very satisified recieved the untimate respect and care from the staff. They were the cheapest best quality insurance.
Jackie R
I do appreciate the customer service and how Krystal explained all my questions so I did understand the insurance process. It not easy for me to change from one insurance company to another and your company made it easier.
Maria G H
Anytime in my dealing with The Moulton Agency has always been great! Everyone there has always answered all of my questions and more. They all are friendly and very helpful. I have been with them along time and will continue to do so.EVERYONE should have an Insurance Company that!
Cynthia O
Great rates and excellent customer service! These ladies and gentleman know their stuff! Very pleased with the way they handled all 3 of my personal policies.
Jackie B
Excellent experience! Great customer service!
Stephanie B