How Can Commercial Insurance Protect Your Business?

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If you own a business in Miami Lakes, FL, you probably rely on it to provide for your family and employees. However, sometimes things happen that are beyond your control. For those times, commercial insurance can protect the business you have worked so hard to build. Jet Stream Insurance Group, LLC agents are available to discuss the type of commercial coverage that might work best for your company.

Types of Commercial Business Coverage

To get you started, here are some standard options to cover your business. 

Business Property Insurance

Commercial insurance includes property insurance for the space you own, lease, or rent. It covers buildings, inventory, equipment, and other items indicated in the policy. Sometimes, it includes accounts receivable and loss of important papers.

Business Liability Insurance

Ask your insurance agent for guidance to determine how much liability protection you need. This type of coverage pays for bodily injury or property damage. It may also cover the cost of defense if you are sued.

Workers’ Compensation

Workers’ compensation covers employees for illnesses and injuries. It may pay for lost wages, medical care, and expenses related to lost work time due to a job-related accident or illness. It might also provide a financial benefit to a deceased workers’ family. If relevant, it also helps you pay legal costs associated with a workers’ compensation claim.

Commercial Auto

Commercial auto insurance suits transportation-dependent businesses with company vehicles. It can even protect your personal car that you use for business.

Commercial Insurance in Florida

Contact Jet Stream Insurance Group, LLC in Miami Lakes, FL to set up an appointment for a free quote and to discuss the best way to protect your company with business insurance. Every organization has different needs, but our knowledgeable agents specialize in setting up businesses in Florida with reliable insurers.

How Can Home Insurance Protect Your Belongings?

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When you buy home insurance, you’re protecting more than the physical structure of your home. Depending on the coverage you choose, you can also protect your belongings. Find out more from a qualified agent at Jet Stream Insurance Group, LLC in Miami Lakes, FL. In the meantime, keep reading to learn more about using home insurance to safeguard your hard-earned personal property. 

What Is Personal Property Coverage?

Personal property coverage is a subset of home insurance. It reimburses you if your home is burglarized or damaged from a covered event. Do you wonder what’s covered? Anything from clothes and electronics to the trampoline in your backyard may be included. Be sure to go over your options carefully with your insurance agent so that you can make the right choices and protect your prized possessions.

How Does It Work?

If you file a claim for a covered event, you may be subject to a deductible. The insurance company reimburses you for damages or stolen personal belongings up to the coverage limit. Typically, it covers the stuff in your garage, home, and items in your vehicle or hotel room while you travel. Personal property coverage handles events such as fire, wind damage, and theft.

Some things aren’t covered, including a fuse shortage that destroys your TV. However, you can purchase a home warranty to supplement your home insurance coverage for unexpected electrical surges and related events. 

Types of Belongings Covered

Here are some of the items covered by your home insurance policy: 

  • Indoor and outdoor furniture
  • TVs
  • Clothing
  • Rugs
  • Kitchen appliances
  • Bikes
  • Trampolines
  • Lawn care equipment

Find Home Insurance in Florida

Contact Jet Stream Insurance Group, LLC for more information on how to protect your belongings with home insurance. Let us set up an appointment to provide a free quote for your home in Miami Lakes, FL.