General Liability Insurance
Coverage commonly used for covered third party bodily injury, property damage and related liability exposures.
◉ COMMERCIAL INSURANCE
Commercial Insurance Built Around How Your Business Actually Operates
Coverage should reflect how your business actually operates, not just the label attached to it. RAMCO helps businesses across Florida and Texas explore commercial insurance options based on operations, employees, property, vehicles and contractual requirements.
BUSINESS INSURANCE
Build coverage around the operation, not the label.
A restaurant, contractor, trucking company and office can all need commercial insurance for very different reasons.
Business Owners Policy (BOP)
A BOP can package eligible liability and property coverages for certain businesses.
Commercial Property Insurance
Coverage for eligible buildings, contents, equipment and other business property exposures.
Workers’ Compensation
Employee injury exposure should be reviewed with a licensed producer using the business, payroll and current state requirements.
Commercial Auto & Trucking Insurance
Coverage for eligible business vehicles, fleets and trucking operations based on vehicle use, drivers, radius and operations.
Professional Liability Insurance
For eligible businesses whose advice, service or professional work can create a financial loss allegation.
Cyber Insurance
Coverage options may address eligible data, privacy, network and cyber incident exposures.
Umbrella & Excess Liability
Additional liability limits may be available above eligible underlying policies.
Builders Risk & Specialty Coverage
Construction projects, HNOA and other specialty exposures can require separate market review.
RISK DETAILS
The business model changes the insurance conversation.
These are some of the details that help a producer identify the exposures and markets worth reviewing.
- What the business actually does day to day
- Locations, occupancy, equipment and property values
- Revenue, payroll and employee exposure when relevant
- Vehicles, drivers, delivery, radius and business use
- Subcontractors, certificates and contract requirements
- Prior losses and current insurance structure
FLORIDA + TEXAS
Commercial Insurance Guidance in Florida and Texas
RAMCO helps business owners in Florida and Texas review commercial insurance options with personal guidance in English or Spanish. Coverage needs and availability vary based on the state, industry and business operation.
FAQ
Commercial insurance questions
What does commercial insurance cover?
Commercial insurance can combine different protections for liability, property, vehicles, employees and other business exposures. The right combination depends on how the business operates and the policy selected.
What type of insurance does my business need?
That depends on the operation, industry, property, employees, vehicles, contracts and other exposures. RAMCO starts with what the business actually does before comparing available coverage options.
What information is needed for a commercial insurance quote?
Common quote details include operations, locations, revenue, payroll, property values, vehicles, drivers, contracts, prior losses and current insurance. A carrier may request additional information.
Does RAMCO offer commercial insurance in Florida and Texas?
RAMCO serves businesses in Florida and Texas. Available carriers, coverages and underwriting requirements can vary by state and by the individual business risk.
TALK TO RAMCO
Tell us what your business actually does.
We will start with the operation and work outward to the coverages that may matter.