Business Insurance2022-02-01T10:54:31-05:00

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Business Insurance Quotes

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Quotes from 100+ Carriers:

Save up to 37% with Fearnow Insurance

Business Insurance carriers offer policies that combine protection for all major property and liability risks in one package. They also sell coverages separately. One package purchased by small and mid-sized businesses is the Business Owners policy (BOP). Package policies are created for businesses that generally face the same kind and degree of risk. Larger companies might purchase a Commercial Package policy or customize their policies to meet the special risks they face.

BOPs include:

1. Property insurance for buildings and contents owned by the company. There are two different forms, standard and special, which provide more comprehensive coverage.

2. Business interruption insurance, which covers the loss of income resulting from a fire or other catastrophe that disrupts the operation of the business. It can also include the extra expense of operating out of a temporary location.

3. Liability protection, which protects against your company’s legal responsibility for the harm it may cause to others. This harm is a result of things that you and your employees do, or fail to do, in your business operations that may cause bodily injury or property damage due to defective products, faulty installations, or errors in services provided.

BOPs do not cover Professional Liability, Auto insurance, Workers’ Compensation, Key Person insurance, or Health and Disability insurance. You will need separate insurance policies to cover professional services, vehicles, and your employees. Discuss all of your Business Insurance needs with your insurance agent to determine the best Business Insurance packages for your company.

What Our Customers Say:

Outstanding customer service from Joe Boyle. He was able find me a home owner’s insurance couple of months before my non-renewal/expiration date. Since we were not in the 30 day window for binding, he set up a calendar invite to do the paperwork within that window. Just completed everything. He maintained excellent communication throughout this process which is hard to come by these days. I am more than happy to recommend Joe and his company, Fearnow Insurance to anyone who is shopping for insurance.Great job.Thank you
Celine Kizhakkemattom
21:52 20 Jul 22
I am very pleased with this insurance co. and their quick action for our situation. Joe Boyle not only got us homeowners insurance in a very timely manner, (our other insurance co. was being liquidated in 2 weeks), he also got us new auto insurance for a lot less, and our new homeowners is less. Thank you Joe, and Fearnow....Great company!
Marylyn Embrey
14:38 09 Jul 22
Joseph Boyle was very quick on responding to my needs and helping me get covered. He was thorough and communicated with me every step of the way! Thank you for making this process easy for me !!!
Samari Rivera
22:25 01 Jul 22
Joe Boyle is outstanding in customer service. I’m a returning customer, this time for Home Insurance. Joe had gone the EXTRA mile to insure me the coverage will be completely handled with just a little information from myself. He has truly made this experience less stressful when I was left with a policy that was being liquidated in a short amount of time.Trust Joe at Fear Now to answer and guide you through any insurance questions/ policy.Thank you Joe!
Tammy Kirk
17:04 30 Jun 22
Joe Boyle handled our needs promptly, accurately and professionally.Given our circumstances, he did a through review and came back with quotes that proved to be more than compelling to switch carriers. I believe the agency is tops and sorry I didn't find out about them earlier.
Chris Holden
18:12 29 Jun 22
Joe is the best! We needed a home insurance quote quick for the purchase of a home. He was willing to have tough conversations about good quality coverage for the age of the home, and worked fast to get all the right documentation for our closing. Also, Joe found us great discounts on our auto insurance getting us better coverage, with an A++ provider at a lower cost. Thank you Joe!
Jessica Rhodes
23:16 24 Jun 22
Joe Boyle is THE BEST! I’ve been shopping around for auto insurance since moving to the area and haven’t been having the best luck. After reading reviews, I reached out to Joe Boyle at Fearnow and was amazed at his professionalism, knowledge, and efficiency. Joe took the time to explain everything about my policy in detail and did his best to find the most affordable rate for my policy. I would trust Joe handling anything related to insurance going forward and am so happy I took the chance to get in touch with him. There is nobody better in the industry than Joe!
Matthew Weddleton
22:24 15 Jun 22
I needed to get into a cheaper Homeowners Insurance and Joe Boyle was very helpful. He was quick professional, friendly, efficient, and knowledgeable. This made the entire process effortless. He assisted in cancelling my old Homeowners at the appropriate date and starting coverage with the new company, which is an A rated company too.
Paula Williams
23:33 07 Jun 22
Joe B was awesome, he communicated along every step and answered all of my questions.Will definitely use him again. Thanks Joe!👍
jim zwierzynski
20:08 01 Jun 22
Joe Boyle was helpful,professional and very efficient. Also very delightful to chat with. I wish all my business transactions were handled as well as he did with our search for insurance . We'll done Joe!!!!
Teresa Horn
16:26 25 May 22

The Fearnow Agency Advantage

  • We work for you, not the insurance carriers, to ensure your claims are processed efficiently and are paid out quickly.
  • Unlike a single-company agency, we have access to over 100 carriers, so we’re never limited in the services we can provide you.
  • We can save you up to 37% in insurance cost, or get better coverage for the same cost.
  • We always provide full disclosure of plan inclusions and exclusions.
  • We offer customized plans tailored specifically to your needs, instead of forcing you into a pre-packaged solution that won’t really work for you.
  • Our agents are continuously training, so they stay the leading experts in their field.

Professional Liability Insurance

Professionals that operate their own businesses, or in-home businesses if you have anoffice in your home, should purchase Professional Liability insurance in addition to a Business Owners policy. This protects against financial losses from lawsuits filed against them by their clients.

Professionals are expected to have extensive technical knowledge or training in their particular area of expertise. They are also expected to perform the services for which they were hired, according to the standards of conduct in their profession. If they fail to use the degree of skill expected of them, they can be held responsible in a court of law for any harm they cause to another person or business. When liability is limited to acts of negligence, Professional Liability insurance may be called “Errors and Omissions” liability. Professional Liability insurance may be referred to as Errors and Omissions Coverage or Malpractice Insurance for those in the medical field.

Professional Liability insurance is a specialty coverage. Professional Liability coverage is not provided under Homeowners’ endorsements, In-Home Business policies, or Business Owners policies (BOPs).

Commercial Auto Insurance

As a business owner, you need the same kind of insurance coverages for the car you use in your business as you do for a car used for personal travel – Liability, Collision, Comprehensive, Medical Payments, Personal Injury Protection, and coverage for Uninsured Motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the “principal insured” rather than your name. This will avoid possible confusion in the event that you need to file a claim or if a claim is filed against you.

Whether you need to buy a Business Auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them, and whether employees, if you have them, are likely to be driving their own cars for your business.

While the major coverages are the same, a Business Auto policy differs from a Personal Auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.

If you have a Personal Umbrella Liability policy, there’s generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.

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Workers’ Compensation Insurance

Workers’ Compensation insurance is a type of business coverage that is purchased by the employer that provides benefits to the employee in the event of a job-related injury, regardless of who was at fault. Job-related injuries can include physical injuries, illnesses, and even some psychological or stress-related injuries caused by performing job tasks. Florida law requires all employers to purchase Workers’ Compensation coverage when they have four or more employees. There are some differences in employee count for certain industries such as construction companies or farmers. This type of coverage also makes employers immune from some injury lawsuits by employees.

Extra Expense Insurance

Extra Expense insurance reimburses your company for a reasonable sum of money that it spends, over and above normal operating expenses, to avoid having to shut down during a restoration period. Usually, extra expenses will be paid if they help to decrease business interruption costs. In some instances, Extra Expense insurance alone may provide sufficient coverage without the purchase of Business Interruption insurance.

Key Person Insurance

Key Person insurance is essentially a Life insurance policy on a key employee (someone, likely yourself, the business owner, who without them, the business would likely fail).  The business is the policy’s beneficiary. Should the key employee pass away suddenly, Key Person insurance pays the benefit to the company, allowing the company to stay afloat during the loss of the main employee.  The benefit can be used to continue the business until a replacement is found or to pay off any outstanding debt, pay investors, and even supply a severance for the remaining employees while the business is closed down or sold.

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