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Bonds
Fidelity Bonds
Fidelity bonds protect against financial loss due to alleged theft, embezzlement, and other dishonest and fraudulent acts by your employees. These bonds are typically purchased by financial institutions, stores, political subdivisions, and other employers who entrust to certain employees the responsibility of handling funds, securities and other assets.
Interested in a quote? Please click here to request a quote.
Performance Bonds
Performance bonds are surety bonds that guarantee that your company will perform a specific action or provide work of a certain quality for a customer. If your firm fails to perform as specified, the bond assures that someone else will completed the work or the customer will be repaid in some way. Performance bonds usually are purchased by general contractors, construction firms, and other businesses involved in bidding and executing projects for customers.
Interested in a quote? Please click here to request a quote.
Commercial Auto/Motor Vehicle Insurance
Florida law requires businesses that own, lease or operate any motor vehicle to carry commercial auto/motor vehicle insurance on those vehicles. There also may be local city and county requirements related to commercial auto insurance.
Most commercial auto policies include property coverage for your business vehicles, as well as liability coverage for damage caused by an employee while driving a company vehicle. If you are using your personal auto or vehicle for business purposes, you may not be covered, as personal auto policies differ by insurance company
Interested in a quote? Please click here to request a quote.
Commercial Property Insurance
Boiler & Machinery
Boiler & machinery insurance pays for loss or damage to your business equipment and property resulting from a sudden and accidental breakdown of mechanical, electrical and pressure equipment (e.g., boilers, refrigeration systems, engines, compressors, pumps, motors, transformers). These policies cover both property and liability losses, as well as the reasonable cost of making temporary repairs and expediting permanent repair work.
Interested in a quote? Please click here to request a quote.
Crime
Crime insurance helps protect your business from losses caused by theft. Theft insurance covers both the missing goods and property damaged by a burglary or robbery. Other crimes also can be covered, such as forgery, embezzlement, misappropriation, willful obstruction, willful misapplication, and mysterious disappearance.
Interested in a quote? Please click here to request a quote.
Equipment Floater
Equipment floater insurance can provide coverage for damage to, or loss of, contractor’s equipment such as mobile equipment, tools and implements of a building, road and bridge contractor, including excavating and grading machinery, cranes, hoists and derricks.
Interested in a quote? Please click here to request a quote.
Flood Insurance
Flood insurance provides coverage for damage to your business property due to flooding, or rising waters. Flooding typically is not covered in your commercial property insurance policy.
You may apply for flood insurance through the National Flood Insurance Program. Some insurance companies also offer flood insurance through the Write Your Own Flood Insurance Program.
Interested in a quote? Please click here to request a quote.
Glass & Sign Insurance
Glass & sign insurance provides protection for your business’ windows, art glass, structural glass, leaded glass, mirrors, and permanent signs that are damaged. It includes coverage to repair or replace damaged frames, board up openings, or take care of other remedial measures.
Interested in a quote? Please click here to request a quote.
Inland Marine Insurance
Inland marine insurance covers your shipments of goods and other property during the process of land transportation; structures and equipment related to transportation and communications; personal articles such as fine art, valuables and salesperson’s samples; and personal property that is temporarily in the possession of another such as laundry, dry cleaning, and customers’ items held for repairs.
Interested in a quote? Please click here to request a quote.
Property Insurance
Commercial property insurance protects your business property and other physical assets of your business.
Interested in a quote? Please click here to request a quote.
Specialty Equipment (Computer, Construction)
Special equipment insurance provides property, inland marine and general liability protection for special equipment owned or leased by businesses, various professionals, and industrial operations such as contractors.
Interested in a quote? Please click here to request a quote.
Wind & Hail Insurance
Wind (windstorm) and hail insurance pays for losses to your buildings and their contents caused by windstorms such as hurricanes and tornadoes, or hail.
Interested in a quote? Please click here to request a quote.
Commercial Liability Insurance
Agricultural Liability
Agricultural liability insurance provides financial protection to farm owners or ranch owners for liability claims resulting from their business operations. It covers claims by a person injured on the farm or ranch, as well as liabilities arising from operating a roadside stand to sell farm produce.
Interested in a quote? Please click here to request a quote.
Directors & Officers Liability
Directors & officers liability insurance provide financial protection for alleged negligence, errors or omissions, or wrongful acts of your business’ directors and officers.
Interested in a quote? Please click here to request a quote.
Employer Practices Liability
Employer practices liability insurance provides financial protection for alleged negligence, errors and omissions, or wrongful acts by you as the business owner or your executives and managers.
Interested in a quote? Please click here to request a quote.
Errors and Omissions Insurance
Errors and omissions insurance provides business professionals with financial protection from losses caused by their own errors or oversights.
Interested in a quote? Please click here to request a quote.
Excess Liability (Commercial Umbrella)
Excess liability insurance – or commercial umbrella – provides coverage for situations not covered by most general liability or property/liability package policies. An umbrella policy covers your business for legal liability costs above those insured by your underlying commercial liability policy.
Interested in a quote? Please click here to request a quote.
General Liability
Commercial general liability insurance protects your business from financial loss as a result of injuries, deaths or property damage caused by your products, business operations or employees.
Interested in a quote? Please click here to request a quote.
Liquor Liability
Laws impose certain obligations on businesses or persons who manufacture, distribute, sell or serve alcoholic beverages. Liquor liability insurance provides financial protection to businesses held responsible for unlawful sale of liquor to a minor or for damages caused by a customer under the influence of alcohol.
Interested in a quote? Please click here to request a quote.
Medical Malpractice Liability
Medical malpractice liability insurance provides financial protection against liability claims arising from alleged negligence, errors or omissions, or wrongful acts by physicians and other medical professionals. This policy covers legal expenses, court costs, and, if the medical professional is found legally liable, any sums awarded up to the policy limits.
Interested in a quote? Please click here to request a quote.
Products Liability
Products liability insurance protects your business from financial loss as a result of injuries, deaths or property damage caused by products you manufacture or distribute.
Interested in a quote? Please click here to request a quote.
Professional Liability
Professional liability insurance provides financial protection against liability claims arising from alleged negligence, errors or omissions, or wrongful acts by attorneys, physicians, or other professionals. This policy covers legal expenses, court costs, and, if the professional is found legally liable, any sums awarded up to the policy limits.
Interested in a quote? Please click here to request a quote.
Commercial Packages
Commercial package policies cover major property and liability exposures faced by a business, organization, or group of businesses. These policies are designed to meet virtually all commercial property/liability insurance needs of typical businesses. For some specialized operations, unusual hazards may be covered separately or by endorsement to the commercial package.
Business Account Policy
Business Account Policy (BAP) is designed for smaller businesses. BAP includes coverage for buildings, business personal property, property of others held by the business, personal injury liability, fire legal liability, and business interruption.
Interested in a quote? Please click here to request a quote.
In-Home Business
In-home business package policy is geared toward small, self-employed businesses that operate out of the business owner’s home.
Interested in a quote? Please click here to request a quote.
Special Multi-Peril Policy
Special Multi-Peril Policy (SMP) is designed for larger, more complex businesses and institutions. SMP is available as insurance programs for business types such as mercantile, office, apartment building, processing or service, institutional, motel and hotel, industrial, and construction. These programs include coverage for buildings, glass, business personal property, property of others held by the business, crime, boiler and machinery, personal injury liability, fire legal liability, and business interruption. They can be modified to meet particular needs.
Interested in a quote? Please click here to request a quote.
Workers’ Compensation Insurance
Workers’ compensation insurance protects your employees in the event of a work-related injury or illness. It provides medical and partial wage replacement benefits to the affected employee. It also provides you as the employer with protection from the threat of a civil lawsuit by an employee who sustains a work-related injury or illness.
Florida law requires workers’ compensation insurance for any non-construction business that employs 4 or more individuals, and any construction business with at least 1 employee.
Interested in a quote? Please click here to request a quote.
Companies Represented by Des Champs & Gregory, Inc.
Des Champs & Gregory, Inc. represents several companies that offer business funding and investments, group insurance, and voluntary insurance plans. They include the following:
Standard Markets:
- Ameritrust
- Bankers Insurance Company
- FCCI
- FFVA
- Hanover Insurance
- Ohio Casualty
- Philadelphia Insurance Company
- Progressive Insurance Company
- Safeco Insurance
- St. Paul / Travelers
- Summit Consulting, Inc.
- Unisource Administrators
- Windsor Auto
- The Zenith
- Zurich Insurance Services
Excess and Surplus Lines:
- Agency Marketing Services
- All Risk Limited
- Braishfield of Florida, Inc.
- Burns & Wilcox
- Chubb Group
- Creative Insurance Underwriters
- Gary Markel Surplus Lines
- Gresgam & Associates
- Hull & Co.
- K&K Insurance Group
- Kevin Davis
- MacDuff Underwriters
- N-Surance Outlets
- Southern Cross
- Tapco Underwriters
- Thompco Insurance Company
Business Insurance Services
Change in your business address, property, operations, or other activities?
Call Des Champs & Gregory, Inc.: 941-748-1812
Tell us your business name, and ask for the Commercial/Business Insurance Department.
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