Commercial Insurance Needs Depend on the Type of Business

Commercial insurance is a category of insurance that includes many types of insurance. Every business is slightly different. By working with your agent at Hamilton Fox & Company Inc. serving Pinecrest, FL and the surrounding area, you can get a customized insurance solution designed to adequately protect your business.

The choices for commercial insurance include:

  1. Workers’ Compensation: Protection for workers if they are injured while on the job.
  2. General Liability: Protection against regular business liabilities.
  3. Professional Liability: Special protection for errors made by professionals.
  4. Property and Casualty: Protection for real and personal property owned or leased by the business.
  5. Commercial Vehicle Insurance: Protection for a vehicle used for the business.
  6. Product Liability: Protection against liability risk caused by problems with products.
  7. Business Interruption: Protection against financial loss caused by catastrophic events that prevent a business from operating.
  8. Key Person Life Insurance: Protection for the surviving partner who owns the business with another partner who dies or becomes permanently disabled.
  9. Specialty Policies: Protection against unusual risks such as cyber attacks, terrorism, and other risks.
  10. Umbrella Insurance: Extends the policy limits of other policies and provides special protection that may include things like discrimination, defamation, and other lawsuits.

Commercial Insurance Based on Business Type

Here are a few examples of the commercial insurance needed to adequately protect these types of businesses showing the insurance needed by using the numbers from the list above.

  • Bakery:1, 2, 4, 5, 6, 7 (optional 8, 9, 10)
  • Doctor’s Office: 1, 2, 3, 4, 7, 10 (optional 5, 8, 9)
  • Manufacturing Plant: 1, 2, 4, 5, 6, 7, 9, 10 (optional 8)
  • Online Sales: 1, 2, 6, 7, 9 (cybersecurity insurance), 10
  • Law Firm (professional partnership): 1, 2 3, 4, 7, 8, 9, 10 (optional 5,)


There are many combinations of commercial insurance that are assembled for the specifics of each business. Contact your agent at Hamilton Fox & Company Inc. in Pinecrest, FL to get a quote for commercial insurance that is suitable for your business by calling 800-263-1947.