UniVista Commercial Insurance in Orlando

Commercial auto insurance covers injuries that you or your employees may cause to other people and their property while driving. Commercial auto insurance also protects you, your workers, and your vehicle(s).

A business owner’s policy, also known as BOP insurance, combines various insurance coverage with additional protection into one convenient package. If you’re not sure what coverage is right for your business or have not considered a BOP, learn how a BOP insurance policy can protect your business by giving Univista Insurance a call today at (305) 995-0032 and speaking to one of our licensed agents.

This coverage can help pay for an injured employee’s medical treatment and lost wages if a job-related injury requires time off work. Workers’ compensation also can protect your business and assets.

Basic property insurance usually covers losses caused by fire, lightning, wind, and hail, or acts of vandalism. Additional coverage can be added for earthquakes and breakage of glass. The essential items to insure in a business property insurance plan include your building, office equipment, inventory, and outdoor items on the premises such as fencing, storage sheds, or outdoor signs. Commercial property insurance plans pay for losses based on the replacement cost of the item or its actual cash value. Replacement cost (RC) refers to the amount necessary to repair, replace, or rebuild property on the same premises, with comparable materials and quality without deducting any amount for depreciation. Actual cash value (ACV) is the cost to replace it with new property of similar style and quality, less depreciation. Typically, the premiums for policies covering property insured on an ACV basis are lower because a lower limit is used due to the deduction for depreciation. This amount might not be enough if you elect to insure the property on an RC basis. Give Univista Insurance a call today and allow us the opportunity to tailor a Commercial Package Policy (CPP) that fits your business needs.

Business Liability Insurance Coverage is something businesses simply must-have, so it’s essential that you understand what it does and doesn’t cover. Give Univista Insurance a call today at (305) 995-0032 and allow one of our licensed agents to explain to you what’s typically and not typically protected in a General Liability Insurance Policy.

This coverage helps offset the devastating effects of a data breach or computer attack can have on your business from a financial and reputational standpoint.

This coverage helps protect your business against, burglary, robbery, forgery, computer fraud, employee dishonesty, and other crimes.

This coverage can help you cover payroll, pay for relocation expenses, and replace lost income when a covered loss forces your business to close temporarily.

This coverage helps protect your business against losses caused by the inability to collect payment from a customer, as well as damaged accounts receivable records.

This coverage helps protect you against equipment failures, including mechanical malfunctions, power surges, and operator error, and any associated losses.

This coverage helps protect your property in transit, as well as fine artwork and computer equipment and data.

This coverage helps protect your construction projects throughout every phase, from groundbreaking to ribbon cutting.

This coverage can help protect your business from employee lawsuits resulting in alleged discrimination, wrongful termination, harassment, or other employment related issues.

Errors and omissions insurance is a type of liability coverage that protects your business against client lawsuits caused by alleged negligent acts, errors or omissions. E&O insurance typically covers you, your employees, and your sub-contractors.