Business Insurance

When you're looking for business insurance in Florida, it is important to understand the complex business insurance coverages available. There are many different policies and variations, and your local agent at Hatcher Insurance can help you find the right policy, or combination of policies, for your company. We specialize in commercial insurance for small to medium-sized companies.

At Hatcher Insurance, we understand that every business has unique risk exposures. That's why we work with each and every business to develop a customized business insurance package that caters to your specific requirements. A business insurance plan in Florida can include any of the following:

  • Business Owners Policies

  • General and Professional Liability

  • Commercial Auto Insurance

  • Commercial Property Insurance

  • Errors And Omissions Insurance

Give us a call today at (407) 841-2686 or fill out the contact form for more information.

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Protect your property and your assets against loss or damage caused by theft, an accident, or other means.

As your trusted source for Florida insurance, we take pride in the ability to protect your business enterprise from a variety of risk exposures. If you own your building, lease your workspace, or even work from home, our commercial property insurance solutions are there to protect your company's physical assets.

Property insurance in Florida protects you from some of the risk associated with the property your company owns. It covers items and assets that can be lost, stolen or damaged.

Commercial coverages typically protect your investment in:

  • Furniture and Fixtures

  • Office Equipment

  • Lost Inventory

  • Landscaping

  • Outdoor Signs

  • Personal property owned by the insured and used for business

  • And more...

When enrolled in a Commercial Property Program (CPP), the following coverages are available:

  • Basic: Protects your commercial property against fire, lightning, explosion, windstorm, sprinkler leakage, vandalism and more.

  • Broad: Adds additional covered losses including glass breakage, falling objects, water damage and weight of snow, ice or sleet.

  • Special: Extended coverage which provides protection on an "all risk" basis.

At Hatcher Insurance, we work with you directly to review all possible risk exposures and vulnerable assets, allowing our agents to secure your property insurance that fits your company's unique needs. We recognize that your business is constantly changing and evolving, which makes securing and continually analyzing appropriate commercial property insurance all the more important.

To learn more about commercial property insurance, business owners should contact the business insurance specialists at Hatcher Insurance today.

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Does your business have enough liability coverage?

Can your business ever have too much?

General liability is one of the most pervasive policies on the market today - and for good reason. It provides coverage for liability issues resulting from personal and advertising injury, including medical expenses. It addresses accidents stemming from on-site mishaps, as well as any injuries or damages incurred as a result of using goods or services sold on-premises. In addition to the financial limits of the policy, it can be designed to cover supplemental payments for attorney fees, court costs and other expenses associated with a claim or the defense of a liability suit. Your expert agent at Hatcher Insurance can create a customized policy to include different types and amounts of coverage.

The following coverage is often included in a general liability policy:

Protection of your company's property from:

  • Fire

  • Theft

  • Vandalism

Claims due to:

  • Bodily injury

  • Property Damage

  • Negligence

Learn more about general liability for businesses by speaking with a knowledgeable agent at Hatcher Insurance who specializes in commercial insurance.

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Just like individuals who own cars, businesses with vehicles are required to meet certain minimum liability auto insurance requirements. If you are a business owner whose company has a few, or a fleet of vehicles, the same auto insurance needs apply. Motorists in the Sunshine State pay higher premiums than most people in the country. Hatcher Insurance can help you find the most affordable and reliable commercial auto insurance for your company vehicles.

Even if your employees use company cars for both business and personal use, it is recommended you consider purchasing a commercial vehicle policy for your business. If the business is the owner of the vehicle, the name of the business should appear on the policy as the "principal insured" rather than your name. Commercial auto insurance policies are dependent on the type of driving employees do. Our agents will sit down and explain your business's vehicle insurance options. You will be asked about how your employees use their vehicles, which employees drive company cars, and if some employees will be using their own cars for company work and travel. The policies available are as varied as the companies in the state.

Contact the Hatcher Insurance commercial insurance experts today to learn more about your options.

Hatchet Insurance, Inc

The complex nature of Florida workers compensation insurance means you must know if you are effectively complying with all the state regulations and properly protecting your employees. At Hatcher Insurance, we are experts in workers compensation and know the state laws well. We can help you get the coverage you need at the most competitive prices available.

The best way for employers to protect their employees is by providing workers compensation insurance. When you run a business in Florida, workers compensation insurance can protect you and your employees against issues involving illness or injury in the workplace. Hatcher Insurance has experts who will guide you through the process of determining what kind of Florida workers comp coverage your business needs.

Our policies can provide coverage for:

  • Medical expenses

  • Lost income/wages

  • Rehabilitation costs

  • Death benefits

Who needs to have workers compensation coverage?

  • Non-construction industry employers with four or more full-time or part-time employees must provide coverage for all employees.

  • Construction industry employers with one or more full-time or part-time employees must provide coverage for all employees.

  • Construction industry employers must ensure any subcontractor has workers compensation coverage or a valid exemption for the corporate officer or member of the Limited Liability Company; however, there must be workers compensation coverage for all employees of the subcontractor.

  • Farmers with six or more regular employees and/or 12 or more seasonal employees who work for more than 30 days must provide coverage for all employees.

If your business does not have the proper Florida workers compensation in place, the state can issue a stop-work order, ceasing all business operations. You could also be facing fines equivalent to 1.5 times the premium you would have otherwise paid.

Additional information and exemption regulations can be found at the Florida Workers Compensation Division website:

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Business owners manage many varied aspects of day-to-day operations. You must also plan for mistakes or accidents that could potentially devastate your business. The best way to deal with a potential lawsuit is through umbrella or excess liability insurance. This covers your business from catastrophic issues that threaten its security. An excess liability insurance policy acts as an umbrella to your basic liability insurance. This type of coverage kicks in when a claim is made against you that exceeds the amount of your existing liability coverage. Umbrella liability insurance provides a safety net when your other business coverage has been exhausted.

Give your business the coverage it needs, and secure your peace of mind, by discussing umbrella insurance with an expert from Hatcher Insurance.

Hatchet Insurance, Inc

A quality dining experience is the convergence of a number of factors, and each of these factors carries a number of risk concerns. Everything from the quality of the food, to the cleanliness of your establishment, to the safety of the kitchen, can become a risk. At Hatcher Insurance, we work with many restaurants, bars and other food service clients offering general and specialized restaurant liability insurance that addresses unique risk exposures, including:

  • General Liability Coverage

  • Liquor Liability Coverage

  • Workers Compensation Insurance

  • Food Contamination Insurance

Contact us to learn more about our restaurant insurance coverage today!

Hatchet Insurance, Inc

In the retail world, interfacing directly with the public adds a whole new realm of exposures. At Hatcher Insurance, our retail insurance can address your specific risk concerns. Our liability insurance helps protect our retail business clients against claims made from the sale of goods or products to the public. Product liability insurance covers the retail seller's liability for losses or injuries suffered as a result of someone purchasing a product. It can also cover defective products or product malfunction.

In addition to general liability and commercial protection, our retail insurance can help protect your establishment from damages related to the malfunction of the following systems:

  • Heating & AC

  • Refrigeration

  • Phones

  • Electrical

  • Security

  • Computers

  • Electronic Equipment

We pride ourselves on being able to work with businesses that have unique requirements. Whatever your type of business or the risks involved, the commercial insurance experts at Hatcher Insurance can help you find the right policy for your needs.

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Non-profit organizations have unique risk exposures that for-profit and conventional businesses seldom do. At Hatcher Insurance, we specialize in non-profit insurance coverage, with a non-profit liability policy for a number of clients that can address a host of key concerns, including:

  • Wrongful Terminations

  • Harassment Claims

  • General Liability

  • Legal Fees

Contact us to learn how our non-profit liability insurance can be tailored to meet the needs of your organization and its budget.

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Just as engineers are charged with designing and implementing a complex array of infrastructures, Engineering insurance covers the complexities of this industry. Policies are designed to protect the builder against any issues that arise with construction and also covers engineering equipment that can cost millions of dollars.

Our engineer insurance typically covers the construction of:

  • Dwellings

  • Commercial buildings

  • Warehouses

  • Hospitals

  • Schools

  • Roads

  • And more

At Hatcher Insurance Inc., our engineer liability coverage can protect your firm from costly legal fees and financial damages. We pride ourselves on providing detailed coverage analysis to ensure that our engineering and construction clients - and their firms - are properly insured.

Contact us today to find out more about engineering insurance through Hatcher Insurance.

Hatchet Insurance, Inc

At Hatcher Insurance, we offer comprehensive coverage solutions for non-profit private and charter schools. The benefits to our private and charter school insurance program clients include coverages for:

  • Directors' & Officers' Liability

  • Student accident and basic health

  • Abuse & Corporal Punishment

  • Catastrophic Accidental Medical

  • Tuition Refund

  • Umbrella Liability

To learn more about our non-profit private and charter school insurance program - the details, rates, and restrictions - we encourage you to speak with one of our experienced agents.