Business & Commercial Insurance
Business & Commercial Insurance Quote Forms
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Business & Commercial Insurance Information
Moody Agency Business General Liability
If you currently only have a personal umbrella liability policy, it is important to note that there is generally an exclusion for any business-related liability claims. If you are actively using vehicles in your business, you need to make sure that your organization has sufficient coverage for auto liabilities.
In an unfortunate trend for business owners, the chances of being the subject of a lawsuit have increased dramatically in the past decade. By providing the necessary protection, general liability business coverage can prevent a legal suit from turning into an utter financial disaster for your organization.
General liability policies pay losses in the event of property damage, real or alleged bodily injury, or personal injury arising from your operations or on the business premises. Moody Agency liability programs may extend far beyond the provisions of standard policies, with wider coverage and dramatically higher limits in a number of areas.
Broad Range of General Liability Protection
- Bodily Injury, including the cost of healthcare, loss of services, and the restitution for any death that results from injury
- Property Damage coverage for physical damage to property of others or the loss of use of that property
- Products-Completed Operations coverage provides liability protection if a product your company made or a service your company provided causes injury
- Products Liability is a more specialized product liability insurance which will protect your company against legal action from product-related injury or accident
- Contractual Liability covers any liability you may assume by entering into a variety of contracts
- Additional policy coverage includes: Advertising Injury; Borrowed Equipment; Fire, Lightning or Explosion Damage; Legal Defense Costs; Liquor Liability; Medical Payments; Non-Owned Vehicles (such as aircraft and watercraft); Personal Injury; Reasonable Use of Force; Water Damage Liability Protection; and specialized liability protection for specific business types
Moody Agency Commercial Auto
If you own a business, you will need the same types of insurance for company vehicles as you would for a personal vehicle. Liability, collision, comprehensive, medical payments (also known as personal injury protection) and coverage for uninsured motorists are necessary to protect your business.
Many business owners use the same vehicle for both business and personal use. If the vehicle is owned by the business, you need to make sure the name of the company appears on the policy as the "principal insured" party. This important point will help you to avoid any possible confusion if you need to file a claim of if a claim were filed against you.
Our agents will be happy to help you decide if it would be advantageous for you to buy a business auto insurance policy. This decision is dependent on a number of different factors, which include the kind of driving you do, who will be driving your vehicles, and whether employees are likely to be driving their own cars for your
Despite many similarities, business auto policies differ from personal auto policies in a number of technical respects. The Moody Agency can help you work through the details and discuss all the relevant options for your unique business concerns.
Moody Agency Workers Compensation
Workers compensation regulations were created to protect employees who are injured while on the job. In the event of an on the job injury, employees are provided with fixed monetary awards. This works to eliminate unnecessary litigation and makes the process considerably easier for employers and employees. It has also helped to control the financial risks facing employers. Many states currently set a limit to the amount an injured employee can recover from an employer.
Read More about Workers Compensation from Moody Agency
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For an online Business Insurance quotes, please click on here: Business Owners (BOP) Quote Form; General Liability Quote Form; Commercial Auto Insurance Quote; Workers Compensation Quote.
The Moody Agency has specialized in insuring risks for local businesses in Venice, North Port, and Port Charlotte, Florida. We have served Sarasota and Charlotte counties for over five decades. In this time have seen wonderful economic growth in Southwest Florida, and we will be happy to help your organization flourish in our community and beyond. To contact us directly, please write to us or phone an agent today: Contact Moody Agency. For our Venice office, please call (941) 493-1583. For our North Port office, please call (941) 429-8801.
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