|⏳ HEALTH INSURANCE AGENCY |⏳ INSURANCE ENROLLMENT KEY DATES |⏳ MEDICARE PLANS: Annual Enrollment Period (AEP): October 15 – December 7 each year. During this time, you can switch to a different Medicare plan. Initial Enrollment Period (IEP): Around your 65th birthday. |⏳ INDIVIDUAL & FAMILY ACA MARKETPLACE PLANS: Generally November 1 – January 15 for the following year’s coverage. December 15: Deadline for coverage to start January 1. January 1: Coverage begins for those who enrolled by the December 15 deadline. January 15: The final deadline to enroll for coverage that typically begins February 1. |⏳ EMPLOYER SPONSORED PLANS: Enrollment periods are set by your employer and often occur in the fall. |⏳ MEDICAID & CHILDREN’S HEALTH INSURANCE PROGRAM (CHIP): You can enroll at any time of the year. |⏳ SPECIAL ENROLLMENT PERIODS (SEPs): You may qualify for an SEP outside the regular Open Enrollment Period if you have certain qualifying life events, such as getting married, having a baby, or losing other health coverage. |⏳ DON’T WAIT! ASK US YOUR QUESTIONS EARLY! |⏳
+1-813-388-8373
7-DAYS | 7AM – 8PM
BOOK-A-CALL
24 x 7

BUSINESS OWNER

BUSINESS OWNER

Insurance Plus for Business Owners

Steve Turner

Insurance Agent | Insurance Broker

What Types of Insurance Does a Business Owner Need?

The types of insurance a business owner needs depend on the business’s size, industry, and operations:

  • Commercial property insurance: This insurance is not required by law but is essential for most small business owners. It protects against the cost of repairing or replacing business property damaged by vandalism, severe wind, or other problems.
  • Workers’ compensation insurance: This insurance is legally required for most business owners who have employees. It protects the business from lawsuits related to injured or ill employees on the job.
  • General liability insurance: Protects against lawsuits from people outside the business who claim that the company caused bodily injury, property damage, or harm to their reputation.
  • Cyber insurance: This insurance protects against the costs of cyberattacks and data breaches, including hacking, ransomware, and credit monitoring for affected customers.
  • Umbrella insurance: This insurance covers everything that other insurance policies leave out. It’s important to avoid creditors seizing assets and garnishing wages when other policies can’t cover settlements.
  • Business income insurance: This insurance is important for many businesses, including brick-and-mortar businesses and businesses with remote workforces.
  • Commercial auto policy: This insurance is recommended if the business owns vehicles or employees operate vehicles on behalf of the company. 

How I Can Help You

Business Owner

BUSINESS INSURANCE

Commercial insurance can protect you from some of the most common losses experienced by business owners, such as:

  • Property Damage
  • Business Interruption
  • Theft
  • Worker Injury
  • … and Much More!

KEY PERSON INSURANCE

“Key Person” insurance is a life insurance policy that a company purchases for an owner, a top executive, or another individual critical to the business.

BOP

A business owner’s policy (BOP) is a package that bundles basic insurance coverages and is sold at a premium. A BOP protects business owners against property damage, peril, business interruption, and liability.

  • Property Damage Protection
  • Business Interruption
  • Liability
  • … and Much More!

FAQ

Business Owner

A business owner insurance policy covers a wide range of risks, such as those that arise from claims and lawsuits, and it protects the physical components of your business, such as inventory, equipment, and the building. This covers situations such as fire, theft, vandalism, and bodily injury. [Business Owner]

When you’re starting your own business, some types of coverage you should make sure to have are: General liability insurance. Professional liability insurance. Workers’ compensation insurance. [Business Owner]

Commercial General Liability (CGL) is the standard commercial liability policy used to insure businesses. Three primary coverage sections comprise a CGL policy: premises liability, product liability, and completed operations. [Business Owner]

Business insurance can cover many things, including workplace accidents, liability claims, theft, fire, legal fees, document loss, and business interruption. [Business Owner]

BOPs do NOT cover professional liability, auto insurance, worker’s compensation, or health and disability insurance. You’ll need separate insurance policies to cover professional services, vehicles, and your employees. [Business Owner]

Essentially, the key difference between a business owner’s policy vs. commercial general liability is that a BOP helps pay for a wider variety of possible accidents and risks that a business is exposed to. Compare commercial property insurance to a BOP. [Business Owner]

On average, an insurance policy that offers coverage for up to $2 million can cost about $30 a month in premiums. [Business Owner]

The IRS generally considers business insurance a cost of doing business, so your policy premiums may be deductible from your taxable income. A tax professional can ensure you fill out the proper paperwork to ensure you are taking advantage of all deductions available to you. [Business Owner]

While commercial property pays for actual physical damages or losses, business interruption insurance covers lost net income due to the closure of the business while repairs are underway. These policies may cover rent or lease payments, relocation costs, employee wages, taxes, and loan payments. [Business Owner]

  • General Liability Insurance (GLI).
  • Commercial Property Insurance.
  • Business Income Insurance.
  • Professional Liability Insurance.
  • Workers’ Compensation Insurance.
  • Data Breach Insurance.
  • Commercial Umbrella Insurance.
  • Commercial Auto Insurance.

[Business Owner]

OUR CLIENT REVIEWS

Leave Your Google Review

INSURANCE OFFERINGS
Business Owner

HEALTH INSURANCE

HEALTH INSURANCE
Health Insurance Details

MEDICARE ADVANTAGE

MEDICARE ADVANTAGE INSURANCE
Medicare Advantage Insurance Details

MEDICARE SUPPLEMENT

MEDICARE SUPPLEMENT INSURANCE
Medicare Supplement Insurance Details

PRESCRIPTION DRUGS

PRESCRIPTION DRUG INSURANCE
Prescription Drugs Details

LIFE INSURANCE

LIFE INSURANCE
Life Insurance Details

DISABILITY INSURANCE

DISABILITY INSURANCE
Disability Insurance Details

DENTAL INSURANCE

DENTAL INSURANCE
Dental Insurance Details

GROUP HEALTH INSURANCE

GROUP HEALTH INSURANCE
Group Health Insurance Details

ACCIDENT INSURANCE

ACCIDENT INSURANCE
Accident Insurance Details

LONG TERM CARE INSURANCE

Long Term Care Insurance
Long Term Care Insurance Details

MEDICAID INSURANCE

MEDICAID INSURANCE
Medicaid Insurance Details

MEDICARE INSURANCE

MEDICARE INSURANCE
Medicare Insurance Details

MEDICARE PART A INSURANCE

MEDICARE PART A INSURANCE
Medicare Part A Insurance Details

MEDICARE PART B INSURANCE

MEDICARE PART B INSURANCE
Medicare Part B Insurance Details

MEDICARE PART C INSURANCE

MEDICARE PART C INSURANCE
Medicare Part C Insurance Details

MEDICARE PART D INSURANCE

MEDICARE PART D INSURANCE
Medicare Part D Insurance Details

MEDICARE PLAN G INSURANCE

MEDICARE PLAN G INSURANCE
Medicare Plan G Insurance Details

MEDICARE PLAN N INSURANCE

MEDICARE PLAN N INSURANCE
Medicare Plan N Insurance Details

CONTACT STEVE TURNER INSURANCE AGENT & BROKER

I’m here to take your calls and emails and answer your questions 7 Days a week from 7:00 a.m. to 8:00 p.m., excluding posted holidays.

Steve Turner is a licensed agent, broker, and a longstanding member of the National Association of Benefits and Insurance Professionals®. Steve holds the prestigious designation of Registered Employee Benefits Consultant®. NABIP® is the preeminent organization for health insurance and employee benefits professionals and works diligently to ensure all Americans have access to high-quality, affordable Healthcare, and related services.

Steve Turner is a licensed agent appointed by Florida Blue.

+1-813-388-8373
7-DAYS | 7AM – 8PM
BOOK A CALL
24 x 7

EMAIL ME: 24×7


OFFICE LOCATION

Website: steveturnerinsurancespecialist.com

Email: [email protected]

Phone and Text: +1-813-388-8373

Business Hours:

Monday: 7 am to 8 pm

Tuesday: 7 am to 8 pm

Wednesday: 7 am to 8 pm

Thursday: 7 am to 8 pm

Friday: 7 am to 8 pm

Saturday: 7 am to 8 pm

Sunday: 7 am to 8 pm

SOCIAL FOLLOW + SHARE