Business Insurance

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We get you customized coverage based on your professions starting from just $26 a month.

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Business Coverage

Coverage that protects businesses from losses due to events that may occur during the normal course of business. There are many types of insurance for businesses including coverage for property damage, legal liability and employee-related risks.

Business Owners Policy

This 2-in-1 policy includes general liability plus protection for your property. It can cover:

  • Your business location, merchandise, store contents, and equipment
  • Business interruption expenses and loss of income
  • Cases where someone is hurt on your premises

Example: A fire damages your office. A BOP could cover repairs to your office and help pay your employees’ wages while business is interrupted.

Professional Liability Insurance

We often recommend professional liability coverage to go with general liability or a BOP.

  • Covers certain professional and personal services, in case you’re sued for negligence or for the advice you give clients
  • Also known as Errors and Omissions Insurance

Example: A client sues a hair stylist for allegedly giving them the wrong cut and color. Professional liability insurance could cover legal defense costs.

Commercial Auto Insurance

A personal auto policy is not enough to cover vehicles used for business. Commercial auto insurance:

  • Covers business uses that personal auto policies don’t include
  • Can offer more liability coverage to protect you
  • Can include cars, pickup trucks, box trucks, and more

Example: On a job site, a carpenter accidentally backs into the homeowner’s car. Commercial auto insurance could cover the damage.

Professional Liability Insurance

We often recommend professional liability coverage to go with general liability or a BOP.

  • Covers certain professional and personal services, in case you’re sued for negligence or for the advice you give clients
  • Also known as Errors and Omissions Insurance

Example: A client sues a hair stylist for allegedly giving them the wrong cut and color. Professional liability insurance could cover legal defense costs.

Let us further reduce your insurance premiums

We offer various ways to help you reduce your insurance costs.

  • Deductibles: We recognize that you are taking on more of the risk when you choose a higher deductible and we reward this by offering lower premiums.
  • Risk management rewards: By utilizing good risk management practices you are proactively lowering your risk and we reward you by offering lower small business insurance rates.

Also known as “commercial liability insurance” is a broad commercial insurance policy that covers general liability exposures of a business. America Tax & Insurance recommends that all businesses have general liability coverage in place.

No matter what industry you are in, accidents will inevitably happen. When your business is responsible for causing personal injury or property damage, failing to have the right coverage in place can cause you to face the resulting financial charges. Safeguard your business by obtaining commercial general liability coverage from our insurance agency. We can help you to avoid the devastating financial loss that comes with an accident.

Whether a customer trips on loose flooring at your restaurant or one of your contractors leaves the water running during service, commercial general liability insurance will keep you from facing any resulting damages on your own. Your policy will typically cover costs of the legal defense and any damages. We recommend all business owners obtain coverage, especially if your company engages in the following:

• In-Person or Face-to-Fact Client Interaction
• Hiring Freelancers & Contractors
• Using Third-Party Locations or Venues You Do Not Own for Business-Related Activities
• A Venture That Requires You to Get a General Liability Insurance

You rely on your employees to keep your business running. If a member of your staff is injured while on the job, what happens?

Worker’s Comp pays for medical care and physical rehabilitation of employees injured at work and helps to replace lost wages while they are unable to work. Additionally, this coverage protects an employer from being sued by an injured worker in most cases.

Whether you have a restaurant, office, or retail store, we help you secure the right workers’ compensation insurance policy for your specific needs.

Having an insurance policy in place is not only the right thing to do as a business owner, it is a state requirement that all owners must follow. In the state of Florida, companies with four or more employees must have workers’ compensation insurance. All construction businesses are required to have this insurance, even if they have fewer than four employees on staff.

This coverage is available to protect your business from the liability associated with operating automobiles. Coverage is available for owned, non-owned, and hired vehicles including autos, trucks, vans, tractors and trailers. Physical damage coverage is also available.

Business owners rely on commercial cars and trucks for a number of reasons. Whether you offer a delivery service to your customers, or you use vehicles to carry out business-related activities, you need specific insurance for vehicles that are used in conjunction with your company.

Commercial auto insurance is liability and physical damage protection for vehicles, such as cars, trucks and vans, that are used for business. Commercial vehicles require a separate policy because they’re typically exposed to more risk than personal vehicles.

Commercial auto insurance isn’t just for industrial vehicles like semis or dump trucks. For example, businesses that use a car to run errands, carry tools or transport clients might also need a commercial auto policy.

General Liability

Also known as “commercial liability insurance” is a broad commercial insurance policy that covers general liability exposures of a business. America Tax & Insurance recommends that all businesses have general liability coverage in place.

No matter what industry you are in, accidents will inevitably happen. When your business is responsible for causing personal injury or property damage, failing to have the right coverage in place can cause you to face the resulting financial charges. Safeguard your business by obtaining commercial general liability coverage from our insurance agency. We can help you to avoid the devastating financial loss that comes with an accident.

Whether a customer trips on loose flooring at your restaurant or one of your contractors leaves the water running during service, commercial general liability insurance will keep you from facing any resulting damages on your own. Your policy will typically cover costs of the legal defense and any damages. We recommend all business owners obtain coverage, especially if your company engages in the following:

• In-Person or Face-to-Fact Client Interaction
• Hiring Freelancers & Contractors
• Using Third-Party Locations or Venues You Do Not Own for Business-Related Activities
• A Venture That Requires You to Get a General Liability Insurance

Workers' Comp

You rely on your employees to keep your business running. If a member of your staff is injured while on the job, what happens?

Worker’s Comp pays for medical care and physical rehabilitation of employees injured at work and helps to replace lost wages while they are unable to work. Additionally, this coverage protects an employer from being sued by an injured worker in most cases.

Whether you have a restaurant, office, or retail store, we help you secure the right workers’ compensation insurance policy for your specific needs.

Having an insurance policy in place is not only the right thing to do as a business owner, it is a state requirement that all owners must follow. In the state of Florida, companies with four or more employees must have workers’ compensation insurance. All construction businesses are required to have this insurance, even if they have fewer than four employees on staff.

Commercial Auto

This coverage is available to protect your business from the liability associated with operating automobiles. Coverage is available for owned, non-owned, and hired vehicles including autos, trucks, vans, tractors and trailers. Physical damage coverage is also available.

Business owners rely on commercial cars and trucks for a number of reasons. Whether you offer a delivery service to your customers, or you use vehicles to carry out business-related activities, you need specific insurance for vehicles that are used in conjunction with your company.

Commercial auto insurance is liability and physical damage protection for vehicles, such as cars, trucks and vans, that are used for business. Commercial vehicles require a separate policy because they’re typically exposed to more risk than personal vehicles.

Commercial auto insurance isn’t just for industrial vehicles like semis or dump trucks. For example, businesses that use a car to run errands, carry tools or transport clients might also need a commercial auto policy.

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Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

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