Protect Your Business Investment
Running a business involves countless decisions and inherent risks. From liability claims to property damage, cyber threats to employee injuries, unexpected events can threaten your operations and financial stability. That's where comprehensive business insurance becomes essential.
At D&E Insurance Group, we understand that every business is unique. Our experienced team specializes in creating tailored commercial insurance packages that address the specific challenges and risks facing your industry, ensuring your business can operate with confidence and continue growing.
Essential Business Insurance Coverages
Every business faces unique risks, but certain insurance coverages are fundamental to protecting your operations. Here are the core protections that form the foundation of a comprehensive business insurance program.
General Liability Insurance
Protects your business from claims of bodily injury, property damage, and personal injury that may occur during normal business operations.
Commercial Property Insurance
Covers your business property including buildings, equipment, inventory, and furniture against fire, theft, vandalism, and other covered perils.
Workers' Compensation
Required in most states, this coverage protects your employees and your business from costs related to work-related injuries and illnesses.
Professional Liability Insurance
Also known as Errors & Omissions insurance, this protects your business from claims of negligence, mistakes, or failure to deliver services.
Business Interruption Insurance
Helps replace lost income and covers operating expenses when your business is temporarily unable to operate due to a covered loss.
Cyber Liability Insurance
Protects your business from data breaches, cyber attacks, and other technology-related risks that are increasingly common in today's digital world.
Commercial Auto Insurance
Covers vehicles used for business purposes, including company cars, delivery trucks, and other commercial vehicles.
Employment Practices Liability
Protects your business from claims related to employment practices, including wrongful termination, discrimination, and harassment.
Business Owner's Policy (BOP)
A Business Owner's Policy (BOP) is a convenient and cost-effective way to bundle essential coverages together. This package typically combines general liability and commercial property insurance, often at a lower cost than purchasing these policies separately.
Cost-Effective Coverage
Bundle multiple coverages for significant savings compared to individual policies.
Simplified Management
One policy, one renewal date, one point of contact for all your core business insurance needs.
Tailored for Small Business
Designed specifically for small to medium-sized businesses with standard risk profiles.
Industries We Serve
Our experienced team understands the specific risks and regulatory requirements across various industries. We provide specialized coverage solutions for businesses of all sizes and sectors throughout Florida.
Professional Services
Consultants, Lawyers, Accountants, Financial Advisors
Healthcare
Medical Practices, Clinics, Specialists, Dental Offices
Technology
Software Companies, IT Services, Tech Startups
Retail & Hospitality
Restaurants, Stores, Hotels, Entertainment Venues
Construction
Contractors, Builders, Trades, Engineering Firms
Manufacturing
Factories, Distributors, Suppliers, Warehouses
Non-Profit
Charities, Associations, Foundations, Religious Organizations
Real Estate
Property Management, Realtors, Development Companies
Transportation
Trucking, Logistics, Delivery Services, Fleet Operations
Education
Private Schools, Training Centers, Childcare Facilities
Beauty & Wellness
Salons, Spas, Fitness Centers, Personal Trainers
Agriculture
Farms, Ranches, Agricultural Equipment, Food Processing
Why Choose D&E Insurance for Your Business
Protecting your business requires more than just insurance—it requires a partner who understands your industry, your risks, and your goals. Here's what sets D&E Insurance Group apart in the commercial insurance marketplace.
Industry Expertise
Our experienced agents understand the unique risks facing different industries and can tailor coverage to meet your specific business needs.
Comprehensive Coverage Options
We work with top-rated carriers to provide a full range of commercial insurance products, ensuring your business is protected from every angle.
Claims Support & Risk Management
Beyond insurance, we provide ongoing risk management advice and dedicated claims support to help minimize your business risks and handle claims efficiently.
Beyond Insurance: Risk Management
While insurance protects you when things go wrong, proactive risk management helps prevent problems before they occur. We provide comprehensive risk management services to help minimize your exposure.
Safety Training
Workplace safety programs to reduce accidents and workers' comp claims.
Security Assessments
Evaluate your business security measures and identify vulnerabilities.
Policy Reviews
Regular coverage reviews to ensure your protection keeps pace with growth.
Claims Advocacy
Dedicated support throughout the claims process to ensure fair settlements.