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Responsive Insurance has the coverage you need to protect you, your business and employees.
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Commercial & Business Insurance
Business insurance professionals, serving Southwest Florida.
Insurance coverage that protects your company – so you can get back to business.
Responsive Insurance knows business in our communities – you can find our offices in Naples, Florida, and our clients all around Southwest Florida. As an independent insurance agency, we take pride in reviewing your options with multiple insurance companies and comparing protection and prices to find the best value for your business.
We’re proud members of the Naples marketplace, and we’re committed to being an advocate for you and your business in times of need.
Our commitment is to serving you.
Responsive Insurance knows that in Naples, Florida, there are as many unique insurance needs as we have neighbors who live here! To talk with one of our helpful team members about your insurance needs, contact us today.
Commercial & Business Insurance – Insurance coverage that helps protect your business
• General Liability Insurance – Broad insurance coverage for your business and activities.
• Commercial Property Insurance – Help protect your business with insurance for your commercial property.
• Business Auto Insurance – Cover your business with insurance for commercial vehicles.
• Commercial Umbrella Insurance – Insurance coverage that helps protect your business from the rising costs of lawsuits.
• Workers’ Compensation Insurance – Insurance coverage that helps you take care of your employees.[/vc_column_text][/vc_tab][vc_tab title=”Comercial Property Insurance” tab_id=”1386262353-2-62″][vc_column_text]
Commercial Property Insurance
Serving the unique needs of businesses in Naples, Florida and all of Southwest Florida.
One of the most common types of business insurance, commercial property insurance provides a wide range of coverage for buildings, inventory, equipment, tools and more. Losses from fire, break-in, vandalism, windstorm and other natural or manmade disasters are examples of what is typically covered.
A basic commercial property insurance policy may be all you need, although the types of coverage can vary between different insurance companies. As an independent agent, Responsive Insurance can help you determine the type of insurance policy and range of coverage that is best for your business. For a full list of coverage available, or to learn more about this product, contact us today.
Southwest Florida – What you need to know about commercial property insurance
Building
Do you own a commercial building? If so, do you have enough commercial property insurance to cover replacement costs? Although cost estimators are available, we recommend that you secure an appraisal from a third party to accurately determine the current replacement cost of your building. Give Responsive Insurance a call today at 239-596-3177 and we’ll help you determine if you have enough commercial property insurance for your business.
Flood
Most commercial property policies exclude flood as a covered cause of loss. A separate policy must be purchased to protect you from resulting damage. Check your current property insurance policy to be sure you are covered. If you’re unsure, just ask Responsive Insurance to review your coverage, and we’ll help you find the best solution.
Business Personal Property
Business personal property insurance covers property at a specified location for furniture, fixtures, equipment and inventory. Be aware that most commercial property policies have very limited coverage for property taken off the specified location. If you have equipment that is frequently taken off-site to various locations, it is important that you have an inland marine policy (equipment or installation floater).
Business Income (Business Interruption Coverage)
This coverage reimburses a business owner for lost profits and fixed expenses during the time that a business is closed. It applies while the premises are being restored because of damage from a covered event, such as a fire. Business income insurance may also cover financial losses that occur if civil authorities limit customer access to your neighborhood or business after a disaster. Responsive Insurance strongly recommends that all businesses acquire this coverage.
Electronic Data Processing (EDP)
This coverage is separate property coverage specifically designed to protect your computer related equipment. Most commercial property policies have limited coverage for computer networks. EDP broadens the causes of loss to include things like power surges and in some cases virus attacks.
Based in Naples, Florida, Responsive Insurance understands the business insurance needs of our customers. The right coverage for you is unique – call us at 239-596-3177 or contact us today to find out how to protect your business and your future with the right insurance.[/vc_column_text][/vc_tab][vc_tab title=”Commercial Umbrella Insurance” tab_id=”1386262432568-2-5″][vc_column_text]
Commercial Umbrella Insurance
If umbrella policies are good for individuals, then they are imperative for business. When a catastrophic liability loss occurs, an umbrella insurance policy can mean the difference between a business surviving, or not.
The rising costs of lawsuits and judgments are important for today’s business owner to consider. Catastrophic liability losses can happen to any business at any time, and a commercial umbrella policy protects you when those losses exceed your basic liability coverage. The time and effort you have taken to build your business is too important for it to disappear after one unforeseen event. Call Responsive Insurance at 239-596-3177 or contact us today about a commercial umbrella insurance policy.
Southwest Florida – What you need to know about commercial umbrella insurance.
Commercial Umbrella helps you protect your assets by providing liability limits above and beyond your other policies. In some cases, it even broadens your protection. Due to the unpredictable nature of jury awards, {YOUR-AGENCY-NAME} recommends that seriously consider this coverage as part of your business insurance program.
What is Excess Liability Coverage?
This coverage provides extra liability limits over an Umbrella policy. This coverage typically follows the terms of the first underlying insurance policy.
Who needs Excess Liability Coverage?
Higher limits may be necessary for businesses with high loss potential, high profile, sizable sales, numerous assets, large auto fleets, worldwide presence, significant public exposure.
Talk to Responsive Insurance today about your business operations and we can help you decide what kind of liability coverage you need to protect yourself and your company. Just give us a call at 239-596-3177 and we’ll help make sure you’re covered.[/vc_column_text][/vc_tab][vc_tab title=”Flood Insurance” tab_id=”1386262447250-3-8″][vc_column_text]
Flood Help protection
Flood Help protection for businesses in Southwest Florida.
Most home and commercial property insurance policies exclude coverage for damage by flood. According to the National Flood Insurance Program website www.floodsmart.gov, the definition of flood is:
Flood – A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is the policyholder’s property) from one of the following:
• Overflow of inland or tidal waters
• Unusual and rapid accumulation or runoff of surface waters from any source
• Mudflow
• Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above.
The right coverage is unique to your needs. To find out how to protect your family and your future, call Responsive Insurance at 239-596-3177.
To estimate how much a flood could cost you, visit the link below:
https://www.floodsmart.gov/floodsmart/pages/flooding_flood_risks/the_cost_of_flooding.jsp
The majority of flood insurance is offered through the National Flood Insurance Program:
http://www.fema.gov/national-flood-insurance-program
For National Flood Insurance Program policies, though the government actually provides the flood coverage, at Responsive Insurance, we issue this policy to protect your home/property in the event of flood damage. The coverage is offered through companies authorized by the National Flood Insurance Program to write, service, and administer these policies.
Talk with Responsive Insurance today: 239-596-3177 or contact us to identify the best combination of coverage, value and price just for you.[/vc_column_text][/vc_tab][vc_tab title=”General Liability Insurance” tab_id=”1386262448026-4-4″][vc_column_text]
General Liability Insurance
Help protecting the businesses of Southwest Florida
General liability, also known as “commercial liability insurance” is a broad commercial insurance policy that covers general liability exposures of a business. Coverage typically includes products and completed operations coverage. Responsive Insurance recommends that all businesses have general liability coverage in place.
Southwest Florida – What you need to know about commercial liability insurance.
Take a look at the list below for additional general liability coverages that are often available.
Professional Liability Insurance (Errors & Omissions)
Errors & Omissions (E&O) covers professionals for negligence and errors or omissions that injure their clients or cause damage to a third party’s data. This type of insurance is typically written as a separate policy and is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers and technology companies. Responsive Insurance recommends that all professional and technology companies have E&O coverage.
Employment Practices Liability Insurance (EPLI)
Employment Practices Liability Insurance for employers covers employment-related liabilities other than on-the-job injuries. This can include legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees’ legal rights. If you have employees, Responsive Insurance recommends considering this type of coverage.
Directors and Officers Insurance (D&O)
D&O covers directors and officers of a company for negligent acts or omissions and for misleading statements that result in lawsuits against the company. There is a variety of Directors and Officers coverage available such as corporate reimbursement coverage, personal liability, and entity coverage. D&O policies may be broadened to include coverage for employment practices liability as well.
To find out more about these, as well as other products and services, call Responsive Insurance at 239-596-3177 and we’ll help make sure you’re properly covered.[/vc_column_text][/vc_tab][vc_tab title=”Business Owners Policy” tab_id=”1386262448836-5-1″][vc_column_text]
Business Owners Policy
Serving Southwest Florida
As a business owner, you strive to make decisions that are right for your business, your employees and yourself. This includes decisions about business insurance. You know you need excellent coverage. You don’t, however, have time to become an expert in business insurance. That’s where Responsive Insurance can help.
A Business Owners Policy (BOP) combines property, liability and business interruption coverage for small to medium-sized businesses. This packaged coverage is generally less expensive than when purchasing coverage separately. With a BOP you have the ability to customize the policy to meet your individual business needs.
Perhaps you need general liability coverage that includes operations. Or, you need to add business auto coverage or commercial property insurance. Responsive Insurance will work with you to find the right combination of business insurance coverage to meet your specific needs. Contact us today!
Supplemental Coverage Available
• Extended liability for additional insureds.
• Debris removal, personal property.
• Tools and equipment.
• Valuable records protection and accounts receivable.
In addition to advising you on the right coverage, we provide additional services, such as:
• Education—one of our goals is to address and answer your questions so you are as educated as you wish to be about the coverages, options, etc…
• Competitive Rates—some of the insurance companies we represent which offer BOP policies specialize in or have special rates for specific types of businesses or industries, offering special coverage and pricing.
To see if your business qualifies for one of these special programs, contact Responsive Insurance for more information. Give us a call at 239-596-3177.[/vc_column_text][/vc_tab][vc_tab title=”Commercial Auto Insurance” tab_id=”1386262486501-6-7″][vc_column_text]
Commercial Auto Insurance for Southwest Florida
Commercial auto insurance can cover a combination of vehicle types (trucks, cars) and drivers, as well as some types of motorized equipment. It provides for bodily injury liability and property damage while operating a company automobile, medical payments or Personal Injury Help protection (PIP) for the driver and passengers of the policyholder’s car. Injuries or damage to someone else are also covered.
Hired/Non-owned Auto Liability
Are you renting cars or are your employees using their own vehicles? This particular coverage provides business insurance coverage for certain liabilities arising from the use of a rented or leased vehicle (hired), or a non-owned vehicle (employee using their own vehicle on company business). Oftentimes this coverage can be added inexpensively to a business auto policy, or in some cases, a general liability policy.
Use of Personal Vehicles
Insurance policies for privately owned vehicles may not cover damage to your privately owned car or truck when it is used for business, even home cosmetics, jewelry sales or a pizza delivery business.
Every business is unique – talk to Responsive Insurance today to find out how to get the best commercial auto insurance, service, and value. Give Responsive Insurance a call at 239-596-3177.[/vc_column_text][/vc_tab][/vc_tour][/vc_column][/vc_row]
