Business Insurance

Our experienced professionals lead the commercial insurance industry in business insurance services for risk management. We manage risk and its related costs for companies of all sizes.

Risk Management

By understanding your risk management plan, business operation components, and how they are affected, we can apply our knowledge and experience to control and reduce the total cost of risk.

Boiler / Machinery / Equipment

You never know if or when the equipment that is used to run your business day-in and day-out is going to malfunction, stopping your business in its tracks. The loss of business income during recovery time can be quite substantial, and many times a business is unable to recover from such a loss.

Builder’s Risk

Builder’s risk insurance is a form of property insurance that protects against the damage to covered structures and buildings while under construction. We can provide several policy forms, including a master program, reporting forms, project policies, installation floaters, and existing structures. 

General Liability

General liability insurance is essential to safeguarding the financial health of your business. We will work together to assemble a comprehensive general liability plan to optimize your coverage.

Commercial Auto

If a vehicle that is being used for your business is involved in an accident and there are automobile-related injuries to others and/or damage to their properties, your company is legally liable and will suffer financial loss unless you have the right insurance coverage in place.

Crime

No one wants to think that their business is at risk for having crimes committed on their premises, by their employees,  or through their computers. But the truth is, no business is immune to the senseless and destructive acts of crime against them. We can help to manage the loss exposures if a criminal act impacts your business.

Commerical Property

Commercial Property coverage is an essential part of conducting business today. Because no two businesses are alike, our insurance professionals will work with you to tailor coverage specifically for your business’s unique needs both today and as your business evolves.

Directors & Officers

D&O insurance provides specialized coverage for the directors and officers of your company, protecting them against losses that may result from alleged errors in judgment, breaches of duty, or wrongful acts in the course of their work for your organization. 

Employment Practices

Employment Practices liability insurance offers coverage for defense costs and damages related to various employment-related claims, including allegations of Wrongful Termination, Discrimination, Workplace Harassment and Retaliation deriving from the employer-employee relationship.

Fiduciary Liability

Protecting the fiduciaries of employee benefit plans can be complicated. Fudiciary liability insurance is designed to protect the assets of businesses and employers against claims that they had mismanaged the company’s employee benefit plans. 

Garage Liability

Businesses engaged in selling, servicing, storing, or parking motor vehicles have special insurance needs and garage coverage was designed to cover the risk associated with these types of business operations. 

Professional Liability

Also commonly known as errors & omissions (E&O) insurance in the United States, professional liability coverage helps protect professional advice- and service-providing individuals and companies from bearing the full cost of defending against a negligence claim made by a customer and damages awarded in civil lawsuits.

Commercial Umbrella

Umbrella liability insurance provides excess liability coverage that is typically broader than coverage in primary policies. Most umbrella liability policies contain one comprehensive insuring agreement, which ususally states that the ultimate net loss (the total amount in excess of the primary limit for which the insured becomes legally obligated to pay for damages of bodily injury, property damage, personal injury, and advertising injury) will be paid.

Workers’ Compensation

We understand the inner workings of workers’ compensation and work diligently to identify the risks that could have a significant impact on your business. We will collaborate to help you understand how your workers’ compensation premiums fit into your total cost of risk and the different measures that can be taken to drive profitability.

Surety Bonds

Surety bonds help to ensure performance for a specific obligation. Our team of experienced bond professionals work with our customers to develop a program to help them grow their business. We represent most surety companies doing business throughout Florida and the United States, including specialty programs designed for specific industries.

Agricultural

With the unpredictable weather patterns, there is no telling if you will have a successful harvest or not. Having an agriculture insurance policy in place can help you cope with a major loss.

Transportation

We understand the unique needs of truckers, logistics companies, freight forwarders, and distributors. If your business involves moving goods, we offer competitve solutions.

Liquor Liability

Liquor liability insurance is a must for any restaurant, bar, nightclub, hotel, sporting venue, or other types of businesses or establishments that sell or serve alcoholic beverages. In fact, it is required by in law in most states. We can assist in putting the best coverage in place to help protect your business.

We are ready to help

The insurance industry is constantly changing. From large multinational organizations to small businesses, Brown & Brown Homestead develops comprehensive insurance solutions to fit your needs.