In St. Augustine, FL, the independent insurance agents at Tim Huber Insurance would like you to know how you can protect your business with commercial insurance. If your company’s building becomes damaged, property or materials are destroyed, or your employees are hurt on the job, having insurance can help relieve some of the financial responsibilities.

Commercial Property Insurance

With commercial property insurance, your business can be protected if the building and property become damaged. Some types of incidences may include fires, vandalism, theft, storms, water, natural disasters, and civil disobedience. For example, if you own a computer business, your items could be covered with property insurance after a fire or hurricane.

Commercial General Liability Insurance

You can’t predict if a customer will be injured in your store or if a patient will sue you for negligence. Commercial liability gives you the added protection if a lawsuit is filed against your company. If your store has a spill that was not monitored and a customer falls, you could be responsible for their medical bills, lost wages, and other costs as a result of the incident.

Workers’ Compensation Claims

Although there are a few exceptions, employers in Florida are required to have workers compensation insurance. Workers compensation covers an employee if they are injured at work. If a data entry worker develops carpal tunnel due to the amount of repetitive motion involved in the business’ day-to-day operations, workers compensation could cover the cost of lost wages, rehabilitation therapy, and surgery if needed.

When you open a business, you want it to run smoothly. Having commercial insurance can keep your company operating even through a disaster. Just stop by our offices in St. Augustine, FL. The insurance agents at Tim Huber Insurance can get you started.

Whether you are new to the St. Augustine FL area, or you are simply interested in changing your insurance coverage, you should talk with the Tim Huber Insurance and Financial Services Agency. 

In business for 13 years, this is a family business created by husband and wife team Tim and Tammy Huber. The team took a leap of faith while their sons were both still in diapers, and they’ve never looked back. Instead, they built a local agency with the support of their community. 

Both Tim and Tammy Huber had prior experience in the industry; Tim was a successful Sales Professional and Tammy worked her way up from operations into Underwriting. Obviously, there is a wealth of industry knowledge within this friendly agency at 28 Clark Street.

Today, the Tim Huber Agency represents over 50 different insurance companies with wide-ranging criteria and policy programs. What that means for consumers is great coverage and great pricing! It allows Tim to shop around and find the perfect coverage for your needs and your budget. He is not limited to only one company and can cover a much larger range of situations with the multiple companies that he works with on a daily basis. 

In Florida, like almost all of the 50 states, automobile insurance coverage is mandatory. The required minimum coverage limits are $10,000 for personal injury protection and $10,000 for property damage coverage. While these coverage amounts are the only mandatory ones, you would be wise to discuss other coverage types with Tim, as well as higher limits, to better protect yourself in the event of an accident or other incident.

Every driver’s circumstances are different, so the best way to find out what options are available to you is to contact the Tim Huber Insurance Agency and speak with the professionals about your needs.