Social Media Preheader Home Page Claims Email Us Payment Location Contact Us Blog RSS Facebook Find us on Google Maps Postheader Insurance Insurance Insurance Insurance

Business & Commercial Insurance

Sebring, Avon Park, Lake Placid, Lake Wales and Clermont, Florida


What Our Customers Are Saying
"My experience with Bayless Insurance has always been positive.  I don't just feel as a customer, I feel as Bayless is a part of my business as they advise what is most cost effective, and change carriers when another carrier has a better rate for the same coverage.  Bayless ALWAYS returned my phone calls promptly, one of my definitions of customer service. Good people to work with."

Dickey Electrical


Insurance Inquiry Button

Business & Commercial Insurance Information

Commercial Auto

As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

Whether you need to buy a small business car insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.

While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.

General Liability Insurance for Small and Large Businesses

If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.

Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.

General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.

Broad Range of General Liability Protection
  • Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury
  • Property Damage coverage for the physical damage to property of others or the loss of use of that property
  • Products-Completed Operations provides liability protection (damages and legal expenses up to your policy's limit) if an injury ever resulted from something your company made or service your company provided
  • Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents
  • Contractual Liability extends to any liability you may assume by entering into a variety of contracts
  • Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types

Workers Compensation Florida
Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer. 
For more information go to our Workers Compensation page.

Thank you for your interest in Bayless Insurance Agency, Inc. We would love to hear from you! To speak to an insurance professional you can call our office at 863-385-1506 or you can email your questions and one of our agents will reply promptly.
Fill out the form below or call us at 863.385.1506
  We are a leading provider in insurance and services in the insurance industry. Priding ourselves on providing the best customer experience possible. We have relationships with dozens of insurance companies, allowing you to get the most comprehensive coverage for your particular needs.

Read More
 
 
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
 

Read More
 
  Who We Are
Our Carriers
Meet Our Staff
Refer A Friend
  Business Insurance
Agricultural
Workers Compensation
Personal
Life Insurance
Other Insurance Types
  2151 US Hwy 27 South | Sebring, FL 33870
Phone: 863.385.1506 | Fax: 863.385.2570