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COVERAGES

WHAT INSURANCE WE WRITE

Workers Compensation Insurance

There are many professions that pose some hazards to their employees. Being in construction work is one because workers are liable to take a fall, liable to be hit on the head or worse fall to death. Being a worker in a factory or laboratory also increases the chances of a work-related injury simply because of the nature of the work.

However, regardless of the danger faced in the industry you work in, you can rely on Workers Compensation Insurance to provide the following benefits for your employees and their family members in the case of work-related injury:

  • wage loss indemnity,
  • coverage of medical expenses and/or hospitalization services,
  • partial or permanent disability,
  • vocational rehabilitation, and,
  • burial services and other benefits in the case of death.

Workers Compensation Insurance is the all-encompassing mandate which covers compensation for a worker and his family members in the event of an accident leading to injury or death during the course of the worker’s performance of his duties.

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Employment Practice Liability

It’s hard enough to run a business and plan for every contingency regarding operations, logistics, expenses and what not. It’s also tough having to deal with potential lawsuits coming from accidents and leading to property damage and physical injury to your employees. What can make it even more stressful is that you also have to deal with your employees who have the potential to file lawsuits by themselves, especially in relation to harassment, discrimination, and wrongful termination? If you don’t want to be tangled up with these kinds of problems, you really need to get Employment Practices Liability Insurance (EPLI).

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General Liability Insurance

As you can surmise, a General Liability Insurance is an insurance policy that business owners need to get if they want to be protected from paying compensation or liabilities resulting from lawsuits and claims arising from accidents, whether their company was directly, indirectly or not at all responsible for them.

In reality, no matter how much you prepare and take the necessary precautions to ensure the safety and security of your employees, accidents are always waiting to happen, either through negligence or a twist of fate. It is in these instances that you have to safeguard your company’s assets from being drained because you have to pay off medical expenses, attorney’s fees and other costs as a result of property damage or personal injury.

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Professional Liability Insurance

In today’s world where more and more people are starting their own business, being their own bosses, working from home, and offering their professional expertise and services, it’s important to have the proper protection from being sued for negligence, misrepresentation and violation of good faith.

Even with taking the necessary precaution by detailing your exact deliverables within your contract, there will always be someone who isn’t satisfied with the results that they were given and as such, in all likelihood, sue you for their perceived “deception”. A Professional Liability Insurance is a necessary barrier for such events.

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Surety Bonds

It’s not uncommon for you to be familiar with Surety Bonds especially if you’re a professional or you have your own business and your client needs a guarantee or bond as proof that you can accomplish what you’re hired to do. Surety bonds often involve three parties.

  • The Principal is usually the provider of the action or service which can be anyone – an individual, partnership or corporation. He is required to post a surety bond which ensures that he will perform what is expected of him.
  • The Obligee is the one to whom the guarantee is for. He’s the one asking for the performance of an action or service. He’s the one who has hired the services of the principal but needs the guarantee to ensure that the job will be accomplished or fulfilled. If the Principal fails to deliver what has been promised, the Obligee can collect his bond from the Surety.
  • The Surety is the one that provides the guarantee when the Principal fails to provide what is required from his obligation to the client or the obligee. The surety will do a background check and evaluation on the principal to make sure that he is qualified to be bonded. If he passes the test, then the surety issues the bond.
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Builders Risk Insurance

Enterprise Insurance Group has been working with small business owners for over 30 years to help them find the right Builders Risks Insurance policies that best take can of their risks and exposures.

You can get a Builders Risk quote by filling out the form on the next page our by calling 1-800-329-2040 to speak to a live agent. Our agents are able to search the marketplace and find the insurance coverage that fits your specific needs at a price that you can handle.

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Inland Marine Insurance

The term Inland Marine Insurance may be a quirky way to describe something that doesn’t really have anything to do with water or “marine”. It’s an offshoot of the insurance coverage called ocean marine which used to cover protection for any cargo that’s being transported across the ocean. It grew from the necessity of covering cargo and other valuable items that are being transported first on land and then being transported by water on ocean-faring vessels.

Over the years, the insurance coverage has evolved to include all property that is in transit, never mind that it’s never going on water or being transported on the ocean. The “Inland Marine” just kind of stuck and has since, been used to cover almost all property that are being transported whether on a one-time deal or on a regular basis.

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USL&H Coverage

In order to qualify for coverage under the USL&H, two criteria must be met. First, the injured worker must be a maritime employee as defined under the USL&H. This is the “status” requirement. Second, the injury must occur at a location under the jurisdiction of the USL&H. This is the “situs” requirement.

The benefits provided by the USL&H are based on wage loss and the worker’s post-injury earning capacity. Under this federal system, the benefits tend to be more lucrative that scheduled state benefits.

With an in-depth understanding of the market and long-established relationships with our companies, Enterprise provides clients with considered advice, exceptional service, and creative solutions to their Maritime Workers Compensation needs.

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CARRIERS

OUR INSURANCE PARTNERS

ABOUT US

WHO WE ARE

Enterprise Insurance Group has helped hundreds of small and large business owners find the best insurance available for Workers Comp, Bonds, General Liability, and Commercial Auto. We have been protecting businesses for over 30 years, let us do the same for YOU!

Enterprise Insurance Group is an independent insurance agency, which means we have partnerships with multiple insurance carriers and not just one single provider. Since we work with the top national, regional, and specialty carriers we have the ability to monitor the marketplace and offer you the best coverage at a price that fits your budget.

We invite you to contact our office at 1-800-329-2040. We guarantee that all of your questions will be answered and that you will receive the best coverage to fit your needs.

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CONTACT US

 

 

Enterprise Insurance Group

Toll-Free: 800-329-2040
12320 Race Track Road
Tampa, FL 33626

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