At Bruner’s Insurance Agencies of Tampa, FL, we know that the success of a business, whether it's a tiny enterprise run out of a basement or a large corporation, is largely dependent on hard work and ingenuity. However, no matter how industrious you are, one disaster can wipe out all your profits and even destroy your business. The key to making sure that all the effort and money you have invested in a business doesn't disappear when a disaster strikes is to protect it with the appropriate insurance.
In this day and age, you must do everything possible to provide your employees with a work environment that emphasizes their safety first and foremost. We have specialized products for those companies having favorable loss experience and a strong emphasis on safety. Some of our companies even offer extensive loss control services and risk management consulting as a policy benefit.
Bruner’s Insurance specializes in the construction and transportation industries; however, whatever type of business insurance you may need, we can help you find coverage or refer you to an agency that can.
Our Commercial Insurance Includes:
- Commercial general liability
- Commercial auto
- Commercial property
- Workers’ compensation
Commercial General Liability:
- Independent contractors
- General contractors
- Premises liability
- Garage liability
- Umbrella coverage
CGL insurance protects you in the event of an injury that has affected a customer at your place of business. It would also cover damage or injuries caused by your employees at a client's site. CGL protects businesses against these common claims. Even if your company is negligent or liable for damage, injury or loss to another's property, reputation or health, your business can keep its assets if it is properly covered.
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Commercial Auto
- Business auto
- Light service use ( electricians, plumbers, etc. )
- Local / intermediate trucking
- Dump trucks — dump body trailer
- Tow trucks
- Long haul truckers
- Agricultural trucks
- Cement mixers
- Pumper trucks
- Car carriers
- Catering trucks
- Delivery vans
- Trailers — auto haulers, dry freight trailers, horse trailer, flatbed trailer
- All vehicle types
At Bruner’s Insurance, we have several markets to cover your commercial vehicles. We can secure coverage for owner operators as well as fleets. Insurance is one of the largest expenses you face today. It is one area that all individuals and companies need to revisit at least annually to make sure their needs are being met. There are various factors that impact insurance costs, such as driving records, age of the driver, age of equipment, commodities hauled, radius, vehicle location, loss history, years in business and the list goes on. It is imperative to put into action the proper driver screening before you hire and safety programs for your existing drivers. Some of our carriers have risk control specialists that can assist you with this.
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Commercial Property
- Commercial buildings
- Construction tools
- Construction equipment
- Property in transit — cargo coverage
- Farm equipment
- Computer equipment ( EDP )
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Workers' Compensation
Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken. Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.
Workers' compensation insurance must be bought as a separate policy. Although in-home business and business owner policies ( BOPs ) are sold as package policies, they don't include coverage for workers' injuries.
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Contact Us today for a free quote.
