MONDAY, DECEMBER 14, 2015
 Whether your business is one of the latest food delivery startups or you deliver appliances to your customers, there is a need to have comprehensive business insurance to protect your interests on the road. Because your employees leave your location and travel to another person's home or place of business, the risks to those employees, your assets and your business are a bit different than a traditional retail shop or service provider. Nevertheless, comprehensive business insurance plans are available to help boost your financial security.
What Insurance Do You Need?
If your business has any component of delivery service to it, there are a few key things to remember when choosing business insurance:
- You'll need commercial auto insurance in place to cover the vehicle, driver and assets of that delivery car, truck or van. You'll need to maintain state required liability coverage, but you also need to consider comprehensive policies for protection against additional risks.
- While you might not have customers coming into your business, there is still the risk of liability associated with mistakes or accidents made by your driver. Protecting against these is important, which is why you should consider umbrella insurance to extend your liability coverage.
- Business income policies can also help most companies to remain operational should a vehicle go down due to a covered event.
In addition to these policies, you also need insurance to cover your place of business. This includes workers compensation plans to protect from employee injuries and illness. You should also consider property insurance to protect your building, equipment, computer systems, inventory and other assets.
There is a great deal to think about when it comes to finding the right type of business insurance for your delivery business. Work closely with your independent insurance agent to customize a comprehensive plan that takes into consideration all aspects of your business and all types of potential risks your company faces. Even if you already have insurance in place, it may be time to upgrade or modify your coverage to ensure that it continues to meet your company's needs.
Protect your business' interests. Call Floridian Coastline Insurance at (954) 302-4531 for more information on Fort Lauderdale FL business insurance.
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