Como profesional, necesitas un seguro de “Roofers General Liability Insurance” o Seguro de responsabilidad civil general para contratista de techos. Sea que le llames, “ruferos, “roofers” o simplemente contratista de techos, sin el seguro no podrás concentrarte en tu trabajo por temor a tener un accidente o una demanda.
Say goodbye to expensive and complicated Commercial Insurance policies that never show you the benefits. We can offer you an affordable policy from multiple carries and insurance companies that provides real benefits. Be bold, click here and discover your benefits.
Commercial auto insurance covers injuries that you or your employees may cause to other people and their property while driving.
A typical commercial auto policy may include:
There are three basic parts of every commercial auto policy:
Other coverage − includes medical payments, towing and labor, rental reimbursement and auto loan or lease gap coverage.
Specific things covered:
Pays for damage to your vehicle if you hit another vehicle, another vehicle hits you or your vehicle rolls over, regardless of who is at fault. Collision coverage may be required if your vehicle is financed or leased.
Pays for damage to your vehicle from causes other than an accident. Such causes may include theft, flood, vandalism, earthquakes, fire or damage from a bird or animal.
Covers bodily injury to others and any property damage to another vehicle if you are at fault in an accident. Bodily injury pays others’ medical costs and lost wages, and your legal expenses if a lawsuit is brought against you due to an accident.
Uninsured motorist coverage
Pays for your injuries or property damage if you’re hit by an uninsured driver.
Underinsured motorist coverage
Protects you if the at-fault driver doesn’t carry enough liability insurance to cover your bills
Beyond these basic components, you can customize your business auto policy with the following coverages or endorsements:
Protects you when problems arise that are not typically handled under your commercial auto policy. This could include being locked out of your car, dead batteries and flat tires.
New vehicle replacement cost coverage
Replaces your new vehicle under a total loss with a new or comparable vehicle. Also provides gap coverage for any amount you may owe that’s above your car’s actual cash value.
Hired auto physical damage with loss of use coverage
Covers comprehensive and collision damage to a leased or rented vehicle, as well as any other contractual obligations to the leasing or rental company.
Auto loan or lease coverage
Covers the difference between the unpaid amount on the loan or lease and the actual cash value of the vehicle, if your vehicle is a total loss after an accident.
Provides towing coverage beyond what’s covered by your standard business auto policy. It also covers towing, jump starts and minor roadside repairs.
Pays for a rental car up to the limits of your policy so you have transportation after an accident.
Medical payments or personal injury protection coverage
Pays for medical expenses if your health care insurance – or your passengers’ – doesn’t cover the costs.
See how easy it is to quote, buy and save on all your insurance.
El tipo de cobertura de seguro comercial que necesitas en Florida depende del tipo de compañía que tengas. Por ejemplo, un servicio que se especializa en remover árboles y trabaja con equipos peligrosos tendrá mayores riesgos y necesidades diferentes en comparación con un diseñador de páginas web.
Un contratista que hace trabajos de remodelaciones o un contratista que hace trabajos de techo tiene más riegos que alguien que hace trabajos de instalación de pisos. Otro detalle que puede influir el precio y los tipos de pólizas que puedes necesitar, es la ubicación de tu compañía y los años de experiencia.
Dentro de la gran variedad de productos y pólizas que puedes necesitar, existen 3 tipos de pólizas de seguros comerciales que la mayoría de los negocios necesitan en Florida:
1. Seguro de responsabilidad civil (General Liability) y/o Dueños de negocios (BOP)
2. Auto comercial (Commercial Auto)
3. Compensación para los trabajadores (Workers Compensation)
Ver mas... Tipos de polizas
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Why You Need Small Business Vehicle Insurance?
Insuring your company cars and specialized trucks and vans is no small matter. Should an accident occur, you have significant business assets to protect and potentially complex issues of liability. Without adequate and appropriate insurance coverage for your business vehicles, you put everything at risk.
As a business owner, even minor traffic accidents or breakdowns can cause major hassles in keeping your operations running smoothly. So, you need the responsiveness and reliability of a commercial vehicle insurance specialist that understands the critical nature of getting your vehicles back on the road.
Just like personal auto insurance, state requirements vary when it comes to education, licensing and even Small Business Auto coverages. Most states mandate minimum levels of financial responsibility in the case of accident or other loss.
Protecting Your Business Assets
Any accident that causes injury, loss of life, or damage to property could potentially land you in litigation or bankruptcy. Small Business Auto Insurance protects your business assets and reduces your exposure to liability.
Small Business Auto Insurance reflects the significant investment you've made in your company vehicles. If you end up with a totaled truck, you don't want to be left making payments to the bank! Small Business Auto Insurance is there to mitigate that risk.
Vehicles for Business Use are Not the Same as Personal Autos
When an employee gets behind the wheel of a company car, the potential liability in the event of an accident is very different from a car that is for personal use only. Passenger autos as well as the specialized trucks, vans and other rigs you use in your business activities carry different safety risks, associated costs, and consequently require specific insurance coverages to protect your business in the case of loss. Small Business Auto Insurance policies reflect these unique needs with specialized coverages and features.
Selecting the Right Coverage for Your Business
Selecting the best fitting coverage for your company cars and trucks means finding the right balance of coverage options, liability limits, deductibles and services that makes sense for your business. That equation should take into account:
Where to start when selecting commercial vehicle coverages?
The best way to start is with a trained commercial vehicle insurance expert. Whether you're looking to insure a fleet of company cars, or larger commercial trucks like flat-bed trucks, refrigerator trucks, box trucks or light-to-medium duty trucks, trained National General Insurance experts have the experience to help you make critical coverage selections.
Lower Your Commercial Vehicle Insurance Premiums
To get the best possible commercial vehicle insurance rates:
Company Cars vs. Personal Autos
If you think your personal auto insurance has you covered for your company car – think again. In many instances, if an accident takes place while a vehicle is being used for business purposes, a personal auto insurance policy won’t cover the losses.
Commercial vehicle insurance is specifically designed to protect you, your company vehicles and your employees while on the road and at job sites.
Here are some other compelling reasons to have a commercial policy for your business vehicles:
Safety Tips for Business Owners
1. How do I know if you cover my sort of business?
We can help with the specialty auto and commercial vehicle insurance to a wide range of sole proprietorships, partnerships, small businesses, corporations, – if you have trucks, vans and cars you depend on for your livelihood – with only a few exceptions – we probably have your business and your vehicles covered.
2. Can I get your commercial vehicle insurance in my state?
Today, we represent insurance companies that offer exceptional coverages at affordable rates in the following states:
3. What vehicle types do you specifically cover?
4. What discounts are available?
At TJC Insurance we offer several discounts to our commercial vehicle insurance customers. You can enjoy:
We design customized insurance plans to protect your commercial assets.
Lower Insurance Rates?
Paying less for insurance doesn’t mean you have to sacrifice coverage or quality of service. TJC Insurance works with many insurance carriers to ensure you get the best possible rate for exactly the right coverage.
Each budget is unique, our solutions are too.
WHAT WE DO
TJC offers a wide range of products including property, casualty, auto, garage and personal lines. TJC is committed to quality service for our clients. TJC writes business in North Carolina, South Carolina, Virginia, West Virginia, Pennsylvania, Georgia, Maryland and Florida.
COMMERCIAL PROPERTY INSURANCE PRODUCTS
TJC Insurance offers a wide variety of Commercial Property Insurance Products through our various markets. We have access to both Admitted & Non-admitted Great Carriers.
Building – Wind, Coastal Wind, Vacant, All protection classes
Business Personal Property
Miscellaneous Property Floaters
Commercial Casualty Insurance Products
TJC offers a wide variety of Commercial Casualty Insurance Products through our various and great markets. We have a variety of limits, coverages and benefits available.
We can write over 1,000 ISO Classes. We say YES when other say NO!
TJC writes Artisan Contractors, General Contractors and Primary limits up to 5,000,000/5,000,000 (on certain classes)
Excess & Umbrellas
Up to $10,000,000 excess limits
Stand alone or packaged
Including Bars, Taverns and Restaurants.
Short term & Annual Policies Available
TOP CLASSES THAT TJC WRITES
A/C Systems or Equipment
Alarms and Alarm Systems
Appliances – installation, service or repair
Automobile Repair or Service Shops
Beauty Parlors and Hair Styling Salons
Buildings or Premises (Lessor’s risk only)
Carpet, Rug, Furniture or Upholstery Cleaning
Ceiling or Wall Installation
Churches or Other Houses of Worship
Cleaning or Washing by Pressure Apparatus
Communication Equipment Installation
Contractors – subcontracted work
Day Care Center
Door, Window or Assembled Millwork
Driveway, Parking Area or Sidewalk
Dry Wall or Wallboard Installation
Dwellings – Lessor’s risk only
Electrical Apparatus – installation, servicing or repair
Fence Erection Contractors
Fire Suppression Systems
Floor Covering Installation
Garbage, Ash or Refuse Collecting
Grading of Land
Heating or Heating and A/C Systems or Equipment
Lawn Care Services
Machinery or Equipment – installation, service or repair
Machinery or Equipment Dealers
Mobile Home Parks or Courts
Mobile Home Setup
Plastering or Stucco Work
Prefabricated Building Erection
Sales or Service Organizations
Septic Tank Systems
Sheet Metal Work
Sporting Goods or Athletic Equipment Sales
Telecommunication Service Providers
Telephone, Telegraph or Cable TV Line Construction
Tile, Stone, Marble, Mosaic or Terrazzo Work
Tree Pruning, Dusting, Spraying, or Trimming
Wrecking – buildings or structures
Small Business Auto Coverages
If you’re in business – almost any kind of business – we can help you with your commercial vehicle insurance needs. With customers in a wide range of industries, we take care of commercial auto insurance from long-established corporations and startups to sole proprietors and partnerships. We have insurance companies that offer the state-mandated coverages you need along with a host of discounts, special services and features designed for insuring commercial vehicles.
Commercial auto insurance cost
Finding cheap commercial auto insurance is often a priority for small business owners. Although there are ways to save money.
Small Business Coverages include:
Commercial Vehicle types covered include:
Small Business Auto Insurance is currently available in the following states:
How is the cost of workers’ compensation insurance determined?
Similar businesses in each state, that exhibit comparable workplace injury patterns and costs, are grouped into “classes.” Rates are determined for each class based on the prior five years of loss costs for all businesses within that class. This provides an equitable system where rates are charged commensurate with the actual loss experience of the class of business. Economic factors for each state are then overlaid onto this data to determine the rate for each class in each state.
A system called “experience rating” allows for modification of the class rates based on the loss history of an individual business. This system provides business owners a significant amount of control over the cost of their workers’ compensation premium – safe businesses are rewarded with lower premiums and unsafe businesses are penalized with higher premiums.
Who is required to carry workers’ compensation insurance?
All states, with a small number of exceptions, require businesses with employees who are not owners, to purchased workers’ compensation coverage for those employees.
Businesses that fail to provide workers’ compensation coverage can face severe and costly repercussions including payment of claims out of pocket, fines and possible imprisonment, as well as possibly losing the right to conduct business in the state.
We can help you to get a full complement of products designed for small businesses. With over 20 years of combined experience as a Workers' Compensation specialist, we have established the track record and expertise to bring added value to your policy.
There are many things to think about when doing business today, and among the most important are the amounts and types of insurance to carry in order to protect adequately your small business. Without proper protection, your small business could be subject to financial ruin because of a property loss or a lawsuit resulting from your business activities.
How Much Virginia Commercial Liability Insurance Should You Carry?
Each situation is unique; the type of Virginia business you operate or products you offer should determine how much Virginia commercial general liability insurance you need. A good rule of thumb for most small businesses is between $500,000 and $1 million. However, if yours is a high-risk business or has a high volume of interaction with the public such as a restaurant or retail business, you should consider increasing your coverage.
A Win-Win Situation
This study suggests a chain of positive events—workplaces give employees the opportunity to do their best; employees thus experience success and recognition, cultivate self-efficacy, engage in healthy lifestyles, and ultimately reduce their risk for chronic diseases. The positive health outcome is in addition to previously known benefits of skill utilization, such as high job satisfaction, better mental health, low turnover, and high productivity. What a win-win situation for both employees and employers!
To create such a situation, supervisors need to identify the valuable skills each employee has. This should not be limited to technical skills for a particular job. For example, social and interpersonal skills, emotional capacity, organizing skills, and problem-solving abilities are all important for a well-functioning workplace. Once supervisors identify these skills, they can facilitate the best use of them, develop them further, and then recognize employees for jobs well done. These are all good, well-established management strategies. The new twist is that these strategies may have health benefits, too.
Read more: http://bit.ly/2pbnbJK
Working for yourself is rewarding. Protect your hard work by making sure your small business has the coverage it needs.
We are the #1 total small business insurer and will customize a policy just for you.
Call us today at 540-319-4229
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