Business Insurance2023-03-02T21:03:50-05:00

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Business Insurance Quotes

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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

My agent is Matthew Wink, and he has provided me with excellent service for many years. I am very satisfied with his professionalism and customer service.
Bryan Mion
00:56 24 Feb 24
I would highly recommend Fearnow Insurance (Seffner, FL) if you not only want the quickest results to your home insurance needs, but also the best value given your personal circumstances.Our family has been made to feel prioritized, given the fast return response times to all of our questions/concerns.Our representative, Joseph Boyle, with nearly 30 years of experience, is adept in his field, and with this added value, being extremely knowledgeable follows as should be expected.He carries himself with the utmost professionalism, yet is also very personable, and explains our questions thoroughly, so we are not left in the dark.He will thoroughly review all options that best suit your family needs to get you most affordable policy. With his military background, it is clear that this has most likely contributed to his organizational skills, as well as extreme promptness.I would recommended Fearnow as my first choice, when comparison shopping.Best of luck and happy insurance shopping. Fearnow is sure to make it painless!
Kendal Donohoe
18:18 22 Feb 24
Gracias Jennifer por el excelente servicio como siempre. May profesional y amable.
Hanoi Lapaix martinez
03:52 22 Feb 24
Been using Fearnow for a few years now and they're great. Melanie is amazing and very helpful whenever I have any questions or issues
David Campbell
14:37 21 Feb 24
Jennifer Rubio helped us save! Thank you for all your help!
Brittany Bush
14:08 21 Feb 24
We have had a very nice experience with JOSEPH!Very helpful!
Carol Valvo
21:59 20 Feb 24
Lydia was/is my contact with Fearnow Insurance. I have never had such a nice experience when dealing with an insurance agent at a large insurance agency. Lydia was very nice , pleasant and knowledgeable. She listened to what I was inquiring about ( a new policy ) and asked relevant questions. She had a quote for me within 24 hours and it was a better policy than what I was leaving behind and for much less money. Everything was done over the IPHONE. Fantastic experience, HIGHLY recommend Fearnow Insurance and Lydia. I will be telling family & friends to give them a try.
Steve Doyle
20:08 06 Feb 24
Joe's service went above and beyond my expectations. He works quickly and thoroughly with great attention to details. I recommend Joe as a great agent to serve you well!
James Reed
20:43 03 Feb 24
I have nothing but praise for this company. I have dealt with Matthew Wink for several years and he is knowledgeable, attentive, and professional. He jumps right on my requests and puts forth maximum effort to save me money where possible. I'm his customer for life!!
Ron Clemmons (illconsumed)
02:40 02 Feb 24
Fair is fair, If you are going to write a review on a business then you should write a good one if they have somewhat redeemed themselves. Since writing this review I have had to contact the office regarding my dads buisness. The office has been very responsive to my questions in a timely way. Believe me I am not looking for a response within the hour but with in a day. Both Matt and Madrianne have been very responsive. I also appreciate the fact that they were and have always looked for better coverage and less expensive coverage opportunities for my Dad. Thank you.My parents have several policies with this company and they have had good experience, wish I could have said the same. A few years ago I asked to get a quote on new car insurance. I sent Matt all of the information and never heard back. I called several times and emailed - again no response. Recently my dads homeowners insurance renewed and I called because I had a question, Jennifer was very helpful. I asked her to look into new homeowners insurance for me (to give me a quote) never heard back, no follow up. I then sent my daughter to this company to get comparison quotes on new car insurance, because they have been very good for my parents and their policies. My daughter called, left multiple messages and again emailed Matt. No response from him, so she went elsewhere. So one last chance for me. I again contacted them (Matt) via email. I keep going back to him because he has been helpful to my dad. I emailed him all of the documents and waited all day, I did get a call back from him but that was after I had called and spoke to Amanda because I hadn't heard back from Matt at all. I sent her all of the documents and I let Matt know that I sent them to her to get a quote on new homeowners insurance. She stated "I will get back with you later today" That was 2 days ago. Maybe I should have read the review earlier because this seems like a trend with this company of no response or communication with potential clients. So I am done! I think I have given this insurance company many opportunities to get my business and they failed me every time. I have been reluctant to use a company, instead of me going and researching each company I thought I would save myself some time, but to no avail! Sorry, Fearnow insurance, you lost me! I hope that you will still be good for my dad.
Theresa Hickie
10:16 26 Jan 24

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.

More information on Florida Business Insurance

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Business Insurance Quote from Fearnow Insurance. Quality business protection that saves you money. 30 Years of serving Tampa, Brandon, Seffner area

Service Type: Business Insurance

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