Commercial Insurance

Commercial Insurance in FL, GA, and NC.

Protecting your investment is a key component of running and managing a successful business. With commercial insurance in place, you can be sure that you, your business, and your employees are safe and secure.

There are many different types of commercial insurance available to business owners in the FL, GA, and NC. Some are industry-specific, so it is important to use a provider like Lowi Insurance, we can point you in the right direction.

The Basics of Business Insurance

Basic business insurance covers a wide spectrum of policies, including the following:

• Property insurance: Insures losses or damages due to fires, storms, or other relevant disasters.
• General liability insurance (CGL): Protects businesses from claims filed by another business or a person due to bodily injury, medical costs associated to that injury, or damage to property.
• Cyber-crime insurance: Protection against loss of sensitive or private customer data.
• Employer insurance: Covers policies such as social security, unemployment, and workers compensation.
• Professional liability insurance: Also known as Errors & Omissions (E&O) insurance covers another person's claims against a business that provide professional/personal services. This can protect a business even if a mistake has not been made, and can also protect against negligent acts.

Restaurant Insurance Policies

When it comes to insurance for your restaurant, policies can become a bit tricky depending on what you are looking for. Contacting one of our representative about the types of coverage you need will allow insurance representatives to make several offers that fit your needs.

Typical restaurant insurance policies include coverage for the following:

• Building coverage
• Boiler and machinery
• Liability
• Medical payments

In addition, by request only, you can add on coverage for external structures not attached to the building, like signs or other structures. Food spoilage is another coverage that can be added in case of a power outage, which can help save thousands of dollars in the food were to go bad. Business income insurance is another optional coverage, and can be a lifesaver when your business is suffering from a disaster.

Does your business sit in a flood zone? Make sure to talk to your insurance representative about adding a separate flood insurance policy to cover your business should a natural disaster occur. Contact us today for a commercial insurance quote!