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Darr Schackow Offers Comprehensive Coverage for Your Commercial Insurance Needs
Commercial Insurance Options Available from DSI
As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments, and coverage for uninsured motorists.
Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees are likely to be driving their own cars for your business.
While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your DSI agent to explain all the differences and options.
If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.
Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.
General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.
As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.
In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.
To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.
Workers compensation insurance must be bought as a separate policy. Although in-home business and business owners policies (BOPs) are sold as package policies, they don't include coverage for workers' injuries.
Group Health Insurance
Darr Schackow offers you and your employees health insurance solutions that have a consistently superior combination of cost, quality, access, and service. Our comprehensive set of health and ancillary solutions will meet the diverse needs of your company and your employees.
Regardless of whether your focus is on providing your employees with “high value” benefits and choice or providing the lowest priced alternative available, we’ve got you covered.
Thank you for your interest in Darr Schackow Insurance. With locations in Gainesville, Leesburg, Milton, Winter Haven and our partner First Heritage to serve you, we work to find your perfect policy. Please feel free to call our toll free number at 888.337.9322 to speak to an insurance professional or email us your questions and an insurance agent will reply promptly.
Providing Commercial Auto Insurance, Workers Comp and Business Owners Insurance to: Gainesville, Jonesville, Tioga, Newberry, High Springs, Alachua, Ponte Vedra, Ponte Vedra Beach, Palm Valley, Nocatee, Palm Coast, St Augustine, Fruit Cove, St Johns, Milton, Pace, Pensacola, Cantonment, Navarre, Fort Walton Beach, Mary Esther, Crestview, Niceville, Valparaiso, Destin, Santa Rosa Beach, Bagdad, Leesburg, Fruitland Park, Lady Lake, Wildwood, The Villages, Oxford, Eustis, Umatilla, Mt Dora, Tavares, Howey in the Hills, Winter Haven, Minneola, Clermont, Haines City, Lake Hamilton, Auburndale, Lake Wales, Bartow, Lakeland, Jacksonville, Jacksonville Beach, Atlantic Beach, Middleburg, Orange Park, Fleming Island, and Nassau, Florida