Insurance for Your Business
Insurance that protects your company, so you can get back to business
First Beaches understands businesses in the community. You can find our offices in Jacksonville Beach, and our clients all around Florida. As an independent insurance agency in Jacksonville Beach, we take pride in reviewing your options with multiple insurance companies and comparing protection and prices to find the best value for your business.
We’re proud members of the Jacksonville Beach marketplace, and we’re committed to being an advocate for you and your business in times of need.
Our Commitment to Serve You
First Beaches knows that in Florida, there are as many unique insurance needs as we have neighbors who live here! Contact one of our helpful team members about your specific insurance needs.
Protecting your Jacksonville Beach businesses
General liability, also known as “commercial liability insurance” is a broad commercial insurance policy that covers general liability exposures of a business. First Beaches recommends that all businesses have general liability coverage in place.
- Professional Liability Insurance (Errors & Omissions)
Errors & Omissions (E&O) covers professionals for negligence and errors or omissions that injure their clients or cause damage to a third party’s data. This type of insurance is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers and technology companies. First Beaches recommends that all professional and technology companies have E&O coverage.
- Employment Practices Liability Insurance (EPLI)
Employment Practices Liability Insurance for employers covers employment-related liabilities other than on-the-job injuries. This can include legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees’ legal rights. If you have employees, First Beaches recommends considering this type of coverage.
- Directors and Officers Insurance (D&O)
D&O insurance covers directors and officers of a company for negligent acts or omissions and for misleading statements that result in lawsuits against the company. There is a variety of Directors and Officers coverage available such as corporate reimbursement coverage, personal liability, and entity coverage. D&O policies may be broadened to include coverage for employment practices liability as well.
To find out more about these, as well as other business insurance products and services, call us and we’ll help make sure you’re properly covered.
Business Auto Insurance
Commercial Auto Insurance Jacksonville Beach
Commercial auto insurance can cover a combination of vehicle types (trucks, cars) and drivers, as well as some types of motorized equipment. It provides for bodily injury liability and property damage while operating a company automobile, and medical payments or Personal Injury Protection (PIP) for the driver and passengers of the policyholder’s car.
Hired/Non-owned Auto Liability
Are you renting cars or are your employees using their own vehicles? This particular coverage provides business insurance coverage for certain liabilities arising from the use of a rented or leased vehicle (hired), or a non-owned vehicle (employee using their own vehicle on company business). Oftentimes this coverage can be added inexpensively to a business auto policy, or in some cases, a general liability policy.
Use of Personal Vehicles
Insurance policies for privately owned vehicles may not cover damage to your privately owned car or truck when it is used for business, even when it’s a business such as selling cosmetics, jewelry, or pizza delivery.
Every business is unique – talk to First Beaches today to find out how to get the best business auto insurance, service, price and value.