Businesses insurance is as essential for businesses today as getting a business license and having something of value to offer your patrons. Palatka businesses need customized insurance protection from an independent agency that understands the unique needs businesses throughout Northeast Florida and Georgia face.
Getting to Know Your Business
Every business is unique. You have different insurance needs than your neighbors and even many of your competitors. That is why we avoid attachments to one-size-fits-all business plans and take the time to get to know a little more about your business and the unique insurance coverage and protection needs you have.
This includes conducting risk assessments to better understand the risks your business faces. Then we offer a customized insurance package that recognizes those risks and seeks to minimize the financial damage they can cause to your business. Some of the products we may recommend for your business include:
- Auto Insurance
- Crime Insurance
- Directors and Officers Insurance
- Disability Insurance
- Employee Benefits
- General Liability Insurance
- Inland Marine Insurance
- Professional Liability Insurance (Including malpractice and errors and omissions coverage)
- Property Insurance
- Umbrella Liability Protection
- Workers Compensation Insurance
We also offer a standard small business package, sometimes referred to as a business owner’s policy or BOP. This type of plan offers certain basic coverage and protection that most businesses require. Depending on the specific BOP you choose, your plan may include essential protections, such as the following:
- Business Property Insurance
- Business Inventory Protection
- Business Equipment Coverage
- Business Interruption Insurance
- Liability Protection
Most businesses find that the liability protection that comes standard with a small business package is not broad enough to meet their needs and offers insufficient protection for their comfort. For this reason, many business owners choose to purchase additional general liability protection as well as some forms of specialty liability coverage.
Specialized Business Insurance Protection
We understand that your business is unique and may have different needs that go beyond the standard insurance protections. Because we are an independent insurance agency we have numerous resources available to help you get the protection you require. Some specialized protections Northeast Florida and Georgia businesses in Palatka and the surrounding areas might prefer include:
- Flood Insurance
- Equipment Breakdown Insurance
- Data Breach Insurance
- Leased Equipment Insurance
- Food Spoilage Insurance (critical for restaurants)
Every business has unique protection and insurance coverage needs. We will work with you to identify your unique Palatka business insurance needs and offer insurance options that insure those needs are met.
Bates Hewett & Floyd Insurance offers a unique and personalized insurance buying process for area businesses. From the time you walk through our doors, you will see the difference working with a dedicated team of insurance professionals is like. We are convinced you’re going to love what you see.