Commercial Insurance Claims for Natural Disasters

Natural disasters can devastate businesses, inflicting considerable property damage and disrupting operations, particularly in Winter Garden, FL. It’s crucial to promptly and accurately file a commercial insurance claim for recovery. Grasping the necessary steps and typical challenges can contribute to a smoother claims process.

Assessing Damage and Documentation

The primary step following a natural disaster is to evaluate the damage. Recording the damage is vital in supporting your insurance claim. Moreover, accumulate any applicable financial records, such as receipts, invoices, and past maintenance records, to validate the worth of the lost or damaged property.

Immediate Reporting

Swift reporting commences the claims process and validates compliance with policy stipulations. To fortify your claim, supply your insurer with all mandatory documentation, including photos, videos, and financial records. Early engagement with your insurance company can pave the way for a smoother claims experience.

Understanding Policy Coverage

Deciphering the specifics of your commercial insurance policy is imperative. Comprehending what is covered and the policy restrictions can help you set realistic expectations for your claim and prevent unexpected surprises.

Working with Adjusters

Fully cooperate with adjusters by granting them access to your business premises and addressing any queries they may possess. A comprehensive and transparent evaluation by the adjuster is necessary for a just settlement. Transparent communication can keep the process flowing seamlessly and ensure you receive compensation to cover the damage expenses.

Managing Repairs and Business Continuity

Maintain detailed records of all repair expenses and related costs, as your policy may cover them. Additionally, concentrate on business continuity planning to minimize operational interference and ensure a swift recovery.

Abney Insurance Helps Guide You

Abney Insurance is here to guide you and showcase how commercial insurance can provide long-term benefits. We serve the Winter Garden, FL, region. Reach out to us today.

What You Need to Know About Commercial Insurance Policies

If you have a business in the Winter Garden, FL area or are thinking about starting one, you need to make sure you have the right commercial insurance policy. Abney Insurance can help with that by providing accurate information from reputable agents. Not every business needs a commercial policy, but most do, and you don’t want to be caught without it when you need it. Here’s what to consider about commercial coverage.

Working with an agent can give you knowledge and insight, along with quotes from several different insurers. Then, you can make the best decision for your specific needs. You want to understand the level of coverage you’ll be getting and its specifics. An office and a factory don’t need the same kind of policy, and that’s true for a construction company, a restaurant, or nearly any other kind of business.

Since your company is also unique to you and your details, you want to ensure that your policy is designed for your actual business, not just for a typical business in your industry. That way, you’ll get what you need from your policy, including plenty of peace of mind for the future. An agent is the best choice for finding your new commercial coverage or updating the policy you already have because they can review everything with you before you select a policy or make changes.

Contact us today if you’re in the Winter Garden, FL, area and looking for a commercial insurance policy. At Abney Insurance, we want to help you and other business owners in the local area get the right coverage to meet their needs.

Four Things to Know about Commercial Insurance

Commercial insurance is essential when owning a business. Also known as business insurance, it protects you, your business, and your employees. While there are basic commercial insurance options in Winter Garden FL, you can add more depending on your type of business, number of employees, and so on. The more you know about commercial insurance, the better decisions you can make about obtaining commercial insurance in Winter Garden FL.

Four Things to Know about Commercial Insurance

  • Know Which Employees Are Covered

Considering workers’ compensation insurance in Florida, most companies are mandatorily required to carry this commercial insurance. In today’s world, you may have temporary employees, full-time and part-time in-house employees, or remote-work-from-home employees. Knowing which type of employees need coverage helps you avoid penalties.

  • Commercial Vehicle Insurance Requirements

If your business uses commercial vehicles for transportation or delivery, you need to be aware of the limits. They are $10,000 in personal injury and $10,000 in property damage liability. If you have passengers in the vehicle or transport hazardous materials, you are required to have more than these basic limits. Additionally, you can choose more coverage optionally for other specific business needs.


  • Commercial Health Insurance

Florida’s law does not require a business to offer health insurance. However, the "Employee Health Care Access Act" provides the availability of commercial health insurance for small business owners for their employees. ERISA, COBRA, and ACA  are federal organizations that also guide employee health benefits.

  • Extreme Weather Insurance for Businesses

Florida is known for hurricanes. However, there is no explicit coverage for hurricane damage. Instead, businesses piece together a patchwork policy with Abney Insurance.

Abney Insurance assisst in creating coverage for extreme weather or other commercial insurance needs Email us , or visit the website for a free quote.

How many kinds of commercial insurance do I need for my small business?

What kind of insurance your small business needs depends on several factors such as what you do, whether you have employees, and whether you provide a product or a service. Abney Insurance can help you figure out which protections your Winter Garden, FL small business needs.

Commercial Insurance Coverage Options

We will talk to you first about a Business Owner’s Policy(BOP). A BOP combines multiple kinds of insurance in one policy. When you bundle insurance, you can save money and make the entire process smoother.

General liability insurance is vital for a small business. It provides coverage against financial loss when someone claims property damage or physical injury from your business.

Commercial property insurance will protect your building and much of what you keep in it from fire, smoke, vandalism, and other listed events.

Product liability insurance will protect you if one of the products you make injures someone.

Professional liability insurance (also known as Errors & Omissions Coverage) will protect you if someone makes a claim against you because of the services you provide as a licensed professional. This type of coverage is important for medical and legal professionals, accountants, contractors, and other individuals who depend on their licenses.

The federal government requires every business with employees to protect them. You will need workers’ compensation, unemployment, and disability insurance to protect your workers.

Temporary business closure insurance can help you pay the bills when your business is closed through no fault of your own.

If you work from a home base, you may need home-based business insurance. This will protect your equipment and other assets in your home. 

Schedule A Consultation Today

If you have a small business in Winter Garden, FL, you need protection from all the things that could happen. Call Abney Insurance today so we can help you create an individualized policy.

Essential insurance policies every business owner should have

Every business owner here in the Winter Garden, FL area should prioritize the safety of their company and the security of their employees. One of the best ways to do this is by investing in essential insurance policies from us at Abney Insurance that help protect the business from costly liabilities.

Here are some of the most important insurance policies for business owners to consider: 

1. Commercial Property Insurance:

Protects your business from losses due to fire, theft, and vandalism. It also covers damages caused by natural disasters such as floods and earthquakes. 

2. General Liability Insurance:

Covers your business if a third party sues you for property damage or bodily injury. It also protects against financial losses related to advertising errors and product recalls. 

3. Professional Liability Insurance (Errors and Omissions):

These policies cover legal costs if you are accused of negligence or mistakes in the professional services you provide. This includes malpractice, copyright infringement, or other errors and omissions related to your professional services. 

4. Commercial Auto Insurance:

If you use cars or trucks for business purposes, this insurance policy helps cover costs associated with accidents, injuries, property damage, medical bills, and more resulting from a car accident involving one of your vehicles. 

5. Workers’ Compensation Insurance:

This coverage pays for medical expenses if an employee becomes ill or injured while working on behalf of your company. It also covers lost wages and salary reimbursements while they are unable to work due to their illness or injury. 

Reach Out To Us

For more information, give us at Abney Insurance a call today. We serve the Winter Garden, FL with pride and would be happy to help you put together the right portfolio of coverage to ensure your business is protected.

What are some reasons to get commercial insurance for my Florida business?

The Winter Garden, FL area has continued to be a good area to be a business owner. When you are an owner of a business here, you will be happy to know there is a good local economy and support for businesses of all sizes. As you are looking to start or improve a business here, you need to ensure you have the right insurance.

There are many good reasons to have commercial coverage:

Protect Your Business

A great reason for anyone to have a commercial insurance plan is so you can protect your business. A quality commercial insurance policy will give you liability coverage and can protect any assets that are owned by your business. Ultimately, this can make it the best way for you to mitigate various risks that could result in a loss and financial setback, which can help to keep your business afloat during otherwise difficult times. 

Meet Standards and Requirements

It is also a good idea to get a commercial insurance plan so you can meet the standards and requirements set for your business. Most business owners will have various insurance needs. This can include having requirements set by lenders and investors, requirements for worker’s compensation, and various other requirements. When you are properly covered with your commercial plan, it will ensure you remain in good standing with such obligations. 

Give Us A Call

As you are looking for a new commercial insurance plan in the Winter Garden, FL area, it would be a good idea to call our team with Abney Insurance. There are many great reasons to get this coverage, and our professionals with Abney Insurance will help you build your next plan. This can offer all of the support you need to properly protect your organization. 

Why your home-based business needs commercial insurance

Home-based businesses are increasingly popular. Not having to pay for a brick-and-mortar location is a big cost saver and allows many people to start businesses that might not be able to raise the money needed to rent a building. At Abney Insurance in Winter Garden, FL, we understand the risks that all businesses face, and we are in a position to help our customers to get the right commercial insurance to protect their business. 

Why your home-based business needs commercial insurance

Property coverage

Home property coverage is not designed to cover your business. While you may get some limited coverage from your home policy, it may not be adequate to replace the things that you have lost. You need a commercial policy designed to protect the assets that your business has that may be stored in your home or in your home office. 

Liability coverage

If customers or clients are visiting you at your home, you need to have commercial liability insurance to protect you. If someone is injured while visiting you, your home insurance does not protect you. If you get sued by a client or a vendor, this is definitely outside the scope of your home insurance. Commercial liability insurance can offer you the protection that you need to have a viable home business. 

Auto insurance

Most auto insurance policies will not cover your vehicle if you are using it for business. Even if it is mostly for private use, you can’t use it for business and expect to be covered. 

Business interruption insurance

This insurance can help your business to survive if you are not able to do business for a covered reason. It can save your home business. 

Give Us A Call

Contact Abney Insurance in Winter Garden, FL to discuss the types of commercial insurance that your home-based business needs to have to be protected. 

How Does Commercial Insurance Benefit Your Business?

Abney Insurance is pleased to offer commercial insurance to our business owners in the greater Winter Garden, FL area. Every business should have commercial business insurance, though the types of coverage they need can vary from business to business.

Here are a few of the ways that commercial insurance can benefit your business:

Protects Against Lawsuits

Commercial insurance can protect you against lawsuits. If someone slips and falls on your property or sues your business for breach of contract, the insurance will step in and help supplement the attorney’s fees, ensuring a lawsuit does not destroy your business. 

Covers Employees Who Are Injured On the Job

Commercial insurance typically includes workers’ compensation insurance. This type of insurance policy helps to pay for lost wages, medical expenses, and monetary compensation for permanent injuries that employees may face due to injuries they sustained on the job due to accidents. 

Guards Against Property Damage

Commercial insurance protects against property damage and property loss. This includes coverage for vandalism, theft, and some acts of God, such as fires. 

Helps When the Unexpected Prevents You From Doing Business

Lastly, if your business has to unexpectedly shut down, commercial insurance may help to cover the lost revenue that your business would have made during those days. This typically occurs if there is a public emergency, such as a fire or earthquake, or if your building caught on fire. 

Get Coverage For Your Business Today

Commercial insurance can benefit your business in a number of different ways, depending on the specific items you decide to cover with your commercial insurance policy. If you are in the market for a new policy in the greater Winter Garden, FL area, Abney Insurance would love to help. Reach out to us today to learn how to get started.