{"id":85,"date":"2018-11-15T03:00:00","date_gmt":"2018-11-15T15:00:00","guid":{"rendered":"https:\/\/www.proamericainsurance.com\/blog\/?p=85"},"modified":"2018-10-31T08:34:15","modified_gmt":"2018-10-31T14:34:15","slug":"when-can-you-purchase-commercial-insurance","status":"publish","type":"post","link":"https:\/\/www.proamericainsurance.com\/blog\/when-can-you-purchase-commercial-insurance\/","title":{"rendered":"When Can You Purchase Commercial Insurance?"},"content":{"rendered":"<p>You purchase a commercial insurance policy when you are a business owner to protect you against losses arising from the damage to property, injury to employees or potential lawsuits. The well-being of your business is dependent on the type of commercial insurance plan you have. In case a loss happens, you have to ensure your business can recover fast, and reduce a loss of income that may bring financial ruin.<\/p>\n<p><strong>Insurance requirements in Florida<\/strong><\/p>\n<p>In the state of Florida, employers are not needed to buy coverage for all aspects of their business. However, specific kinds of insurance covers are state-mandated.<\/p>\n<ul>\n<li>For instance, Florida companies with at least 4 employees are needed to have&nbsp;<strong>worker&rsquo;s compensation coverage<\/strong>. In the case of a construction company, insurance is needed for even just one member of staff, including the owner of the business.<\/li>\n<li>Given that your company operates vehicles for business purposes,&nbsp;<strong>commercial automobile insurance<\/strong>&nbsp;is mandatory.<\/li>\n<li>Moreover, if your business profession is susceptible to lawsuits, it is wise to consider policies like&nbsp;<strong>general liability insurance<\/strong>&nbsp;as well as a professional<strong> liability insurance<\/strong>. General liability insurance is beneficial in the event that may be a delivery guy slides on some water on your business premises and breaks his wrist, a young model having a photo shoot at your studio suddenly falls due to some wires and twists her leg, or your marketing team designs a slogan that is seen as slander by others.<\/li>\n<li><strong>Commercial property insurance<\/strong>&nbsp;is needed to protect your company property from accidental damage and theft.<\/li>\n<\/ul>\n<p>Pro America Insurance is licensed in Naples, FL, and are capable agents can assist you in identifying the best, cost-effective coverage for your business.<\/p>\n<p>The type of industry you are operating in is significant in knowing possible insurance covers and limits. Whether you are a personal trainer, a dental hygienist, or an IT company, Pro America Insurance, Naples, FL can help you get a commercial insurance cover that suits your assets, risks, and needs efficiently.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>You purchase a commercial insurance policy when you are a business owner to protect you against losses arising from the damage to property, injury to employees or potential lawsuits. The well-being of your business is dependent on the type of commercial insurance plan you have. In case a loss happens, you have to ensure your [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[9,11],"class_list":["post-85","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-naples-fl","tag-pro-america-insurance"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.proamericainsurance.com\/blog\/wp-json\/wp\/v2\/posts\/85","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.proamericainsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.proamericainsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.proamericainsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.proamericainsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=85"}],"version-history":[{"count":1,"href":"https:\/\/www.proamericainsurance.com\/blog\/wp-json\/wp\/v2\/posts\/85\/revisions"}],"predecessor-version":[{"id":86,"href":"https:\/\/www.proamericainsurance.com\/blog\/wp-json\/wp\/v2\/posts\/85\/revisions\/86"}],"wp:attachment":[{"href":"https:\/\/www.proamericainsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=85"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.proamericainsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=85"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.proamericainsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=85"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}