Commercial Insurance


Commercial Auto Insurance
Auto Commercial
A commercial automobile insurance policy is required under most circumstances when the vehicle is used for business purposes and meets certain other requirements. It is not just the registration that determines the requirement for a business automobile insurance policy.
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Other requirements are ownership by a corporation, use in hauling goods for hire, and gross vehicle weight of the vehicle. Some small trucks can be owned and insured under a personal automobile insurance policy under specific circumstances.

Commercial automobile insurance policies are not regulated in pricing, as are private passenger policies. There is price competition between insurance companies for good commercial automobile insurance.
Commercial Property
Commercial Property
Commercial Property protects your business against the loss or loss of use of company property. "Property" can include a variety of types: lost income or business interruption, buildings, computers, money, and valuable papers.
Directors & Officers Liability
Directors & Officers Liability
Directors and Officers Liability Insurance provides financial protection for the directors and officers of your company in the event they are sued in conjunction with the performance of their duties as they relate to the company. Think of Directors and Officers Insurance as a management Errors and Omissions policy.
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Directors and Officers Insurance is often confused with Errors & Omissions Liability. The two are not synonymous; Errors & Omissions is concerned with performance failures and negligence with respect to your products and services, not the performance and duties of management. Generally it is a good idea to carry both Directors and Officers Liability Insurance and Errors and Omissions Liability Insurance.
Hospitality
Hospitality
Running a hotel in today's competitive environment is a big challenge. Getting the proper business insurance at a reasonable price can be frustrating and time consuming.
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Coastal Insurance Agency offers specialty insurance programs designed specifically for hospitality industry. We offer protection that goes beyond the industry standard forms used by many insurance companies.
Product Liability
Product Liability
Product liability insurance protects you in case a product you produce or provide causes harm to a user or a user's property. A "product" is anything that is tangibly used, touched, or consumed. This type of insurance is recommended for every business that manufactures a product, but is especially important for companies that produce food, clothing, toys or anything else that could conceivably cause harm to someone.
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Most business owners policies include limited product liability coverage. If, for some reason, you do not have this coverage through a business owner's policy and your product runs the risk of inflicting harm on other people, you may need to buy product liability separately. Similarly, if your product presents a higher risk of injury (for example, it contains a hazardous material), you may need to purchase additional coverage.
Restaurants
Restaurants
Today's restaurant environment is more complex than ever and you want to know you're covered for the unexpected occurrence.
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Whether you run a small cafe or a national chain, you could be held liable for anything from contaminated or spoiled food to spilled coffee. That's why you deserve an insurance company with commercial restaurant insurance coverage specifically designed for the risks you face. Eligible classes include, but are not limited to:
• Fine Dining
• Casual Dining
• Fast Food
• Ethnic Cuisine
• Delicatessen
• Coffee Shop
• Micro Brewery
Technology
Technology Insurance
Many companies are unaware that their current business and insurance policies most likely do not cover them for all of their technology-related risks. Our technology insurance portfolio offers coverage options tailored to fit your company's unique needs.
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In today's technology-driven world, companies face a number of dynamic exposures. Whether it is faulty software, inappropriate advice, misconfigured firewalls or inadequate anti-virus software, hardware failure - companies are increasingly at risk. Claims are growing rapidly, leaving companies liable for expensive lawsuits.
Business Owners Insurance
Business Owners
Business Owners Package policy, commonly called a "BOP" contains many of the insurance coverage needed by most small businesses. While these policies are not standard, there is great variation from insurance company to insurance company; there are certain common elements.
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The basic BOP offers business property for both building and contents, and liability insurance protection for the operation of your business. This liability protection will generally include both the operation of your business, at its established location, and the liability from your products or completed operations.

Some, but not all of the policies, will also offer business income and extra expense protection after an insured loss. BOP policies do not contain all of the coverage needed by a small business. Notably they do not cover any workers' compensation, professional liability, or business vehicle coverage.
Commercial Umbrella
Commercial Umbrella

Commercial Property protects your business against the loss or loss of use of company property. "Property" can include a variety of types: lost income or business interruption, buildings, computers, money, and valuable papers.

Employment Practices Liability
Employment Practices Liability
Employment Practices Liability Insurance otherwise known as EPLI is insurance that helps protect you against claims from your employees that result from the general conduct of your business. Common examples of employee related claims include claims relating to:
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  • Discrimination
  • Wrongful Discharge
  • Sexual Harassment
  • Hostile Working Environment
  • Wrongful Termination
  • Lack of Advancement
Investment Property
Investment Property
If you own an investment property, you should make sure that you carry adequate insurance coverage. Accidents may occur and ultimately cause damage to your investment property. If you do not have the necessary insurance, you will be responsible for the full financial cost.
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Owning an investment property brings with it a large degree of liability. In addition to the building itself, you may be responsible for injuries received by others while they are on your property. You could also be held responsible for damage to their belongings.
Professional Liability
Professional Liability

Professional liability insurance, also sometimes referred to as Errors and Omissions, is insurance to protect you and your company in the event a client alleges they have suffered a financial loss as a result of an error or an omission committed by you in the delivery of your professional services. Professional liability coverage is separate from a General Liability (GL) policy which would cover you mainly for bodily injury or property damage liability.

Special Event
Special Event

Whether you are planning a corporate event, holding a large rock concert, or organizing a local flower festival, you will need special event insurance to ensure that you are covered for unexpected occurrences that may spoil the success you and your company may receive when the big day arrives.

Wholesalers & Distributors
Wholesalers & Distributors
Coastal Insurance Agency offers a broad range of coverage that are cost-effective and perfectly tailored for your business requirements if wholesaling or distributing. Get coverage specifically designed for today's wholesalers and distributors.
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Our programs for wholesalers and distributors include exacting risk assessment and loss control expertise that can help reduce insurance costs for everyone from the small supplier to the large distributor.
Business Interruption Insurance
Business Interruption

If your business suffers a property loss it could cause the business to slow or close down while repairs are made. This may mean a complete or partial revenue loss depending on the time frame and the damage. From the time the loss occurs until your business is running again, insurance can replace your lost profits, and provide a source of money to pay your necessary continuing expenses, like rent, payroll, taxes, etc.

Contractor's Liability
Contractor's Liability
Contractor's General Liability insurance is for residential and commercial builders, general contractors, construction managers, design and build firms, specialty contractors or subcontractors, owners or public and private construction projects.
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We offer contractor policies for every type of project:
  • Property
  • Builders risk insurance and course of construction
  • Liability insurance
  • General liability insurance
  • Contractor insurance
  • Commercial auto
  • Umbrella
  • Workers' compensation
  • Railroad protective
  • Equipment insurance
  • Contractor bond
General Liability
General Liability
Normally, it is difficult for businesses or general contractors to work without general insurance. General liability insurance is intended to guard operators and owners of companies from claims that may come from a broad spectrum of sources. These exposures could be just about anything, including liability engendered by accidents from the operations of the insured party, contractual liability, products manufactured by the insured party, etc.
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The liability you select, whether it is one, two, or three million dollars, determines the cost of general liability insurance. Also factored into the rates are the kind of work undertaken, gross receipts and total payroll expenses. Similar to auto insurance, when it comes to general liability insurance, you will first have to make a down payment and then follow it up with installments. Before buying general liability insurance, it is best to compare the quotes available in the market.

It is the business owner's or general contractor's job to make sure that the people working under him/her are covered by an insurance policy. If for example, a person who is not a part of the project gets injured, the injured person's lawyer can target just about anyone involved in the project. The more individuals that are involved, the greater the chances of a successful lawsuit.
Liquor Liability
Liquor Liability
Liquor Liability Insurance is designed to provide liability insurance protection for those businesses who manufacture, distribute, or sell liquor. You need liquor liability insurance if you sell liquor and your business is a:
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  • Bar
  • Tavern
  • Nightclub
  • Fraternal Club
  • Convenience Store
  • Liquor Store
  • Restaurant
Property Liability
Property Liability
Product liability insurance protects you in case a product you produce or provide causes harm to a user or a user's property. A "product" is anything that is tangibly used, touched, or consumed. This type of insurance is recommended for every business that manufactures a product, but is especially important for companies that produce food, clothing, toys or anything else that could conceivably cause harm to someone.
Read More
Most business owners policies include limited product liability coverage. If, for some reason, you do not have this coverage through a business owner's policy and your product runs the risk of inflicting harm on other people, you may need to buy product liability separately. Similarly, if your product presents a higher risk of injury (for example, it contains a hazardous material), you may need to purchase additional coverage.
Surety Bonds
Surety Bonds

We work with many of the country's top-rated surety companies to secure: • Contract Payment and Performance Bonds
• Fidelity Bonds on Employees
• Code Compliance Bonds
• Judicial and Court Bonds, including estate guardianship and repletion bonds
• Professional Service Bonds

Workers' Compensation
Workers' Compensation
Workers' compensation insurance protects employers from claims resulting from injuries to employees. It protects your business from lawsuits and provides employees with compensation for on-the-job injuries.
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By law, most employers are required to provide coverage for lost wages and medical bills incurred as a result of on-the-job accidents or illnesses. For many businesses, this coverage is the largest part of its insurance expense.

Why Us

  • Our knowledgeable and friendly staff prides itself on providing options tailored to fit the needs of our clients at some of the best pricing available, while simultaneously providing outstanding service.

Locations

  • Coastal Insurance Associates
    201 S. Pinellas Ave.
    Tarpon Springs, FL 34689
    727.937.4141

  • Crews Insurance Agency
    9355 Seminole Blvd.
    Seminole, FL 33773
    727.595.4127

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