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General Liability Insurance Cape Coral FL

General Liability Insurance

Cape Coral General Liability Insurance
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General Liability Insurance in Cape Coral

There are millions of different businesses in the world, and no two are the same. For example, imagine two cabinetry installation companies. You may think both are in the same industry, however what if one also does tile and some very minor plumbing whereas the other does JUST cabinets? If they both insurance purchase the same General Liability policy to cover just their cabinet installation the company that does plumbing (even if its MINOR) is going to be very unhappy if a claim ever arises from his plumbing work as his policy will not cover this.

Now imagine a similar situation, but in this case both companies install cabinets ONLY. No plumbing, tile, nothing else. However, one company works on only residential homes where as the other works exclusively on commercial properties. This is another situation where two companies within a similar industry would not be ok to purchase the same general liability coverage.

This may seem obvious to some business owners, however there are many out there who have their own business insured incorrectly. Some may have started out their business on a small scale with a general liability policy that was perfect for their business operations at the time, but have since grown their start-up operation to a full blown corporation. Most of the time when this happens, so does the coverage needs for your business. This is why it is so important to keep in contact with your insurance agent regarding the changes to your business. As your business grows and changes, so must your general liability coverage. The good news about making changes to your policy (as many people seem to be falsely afraid of this), in most cases the premium impact of the change isn't as large as you may expect. In some cases I have done changes to general liability policies that had zero impact on price entirely!

This is always a good thing as growing your business usually means growing your profits, but make sure you are covering yourself in case something does go wrong. Being in the insurance industry almost 30 years I have seen first-hand where things went wrong for many of my clients. Fortunately the ones who were wise enough follow my advice and keep in contact with us about these important changes to their businesses, we had them covered when they needed it most!

There are many different kinds of changes, big and small, that you need to let your agent know to ensure you are covered correctly. Below is a short list of common changes just to name a few things you need to report:  

  1. Change in number of employees on payroll.
  2. Revenue changes.
  3. Your business starts operating out of state.
  4. Business Operation Changes (Your Cabinet Installation Business Starts Doing Tile, Plumbing, etc.)

If you are looking for more info on Florida law for general liability, please click the link below:

Florida Statue on General Liability

General Liability Insurance Cape Coral FL

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