Business Insurance
Protect your business and assets.
Property, liability, workers' compensation and commercial auto for contractors, retailers, professional services and small business owners.
Chapter 01
Property and liability are the floor
Property coverage handles the premises, the equipment and the stock. General liability answers for injury or damage the business causes to a third party. Those two are where every commercial conversation starts.
For a Florida business the property side carries the same wind and flood questions a home does, and the same rule applies: flood is separate.
A small independent commercial building on a Florida street at golden hour
Workers' compensation and commercial auto
These are the two that most often get missed as a business grows past its owner. The first employee and the first company vehicle each create an exposure that a personal policy will not answer.
Using a personal auto policy for business driving is a common and expensive assumption, and it is worth checking before a claim tests it.
Chapter 03
Written to the trade, not to a template
A contractor, a retailer and a professional services firm carry genuinely different risks, and general liability alone does not describe any of them well.
We also place long-term care and general liability alongside the core commercial lines, so a small business owner can keep the personal and the commercial book in the same office.
AutoLife places this line with A-rated carriers from the office at 3691 Webber Street, Sarasota. Call 941-210-4499.
Other lines we place
Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent.