Frequently Asked Questions About
Commercial General Liability Insurance
How much does commercial insurance cost?
Costs can vary widely based on industry and are also determined by zip code and often payroll and/or gross sales. Request a free quote to get an exact number.
What kind of business insurance do I need?
Most business owners need General Liability Insurance at the very least. If you have any non-owner employees, you will need workers compensation insurance too.
What is a Certificate of Insurance?
A Certificate of Insurance is proof of coverage. It lists the type and amount of liability coverage you have and other policy information when a third party requests it.
Is business insurance tax deductible?
Yes. you can deduct the cost of commercial insurance premiums. The IRS considers insurance a cost of doing business as long it benefits the business & serves a business purpose.
Diet Nutrition Services Insurance Florida
Diet Nutrition Services Insurance Florida As a dietitian or nutritionist, you are an expert in food, nutrition, and how to maintain health through proper eating. From dispensing dietary advice to planning meals, your patients rely on your guidance to develop good eating habits and reach their health goals. Your assessment and counsel can help patients manage nutrition-related diseases or deficiencies and prevent them altogether.
With wellness at the heart of your job, it may seem quite unlikely that you would be sued for the professional guidance you provide. Sadly, in an age where people are quick to sue, you can be. Whether you're self-employed or work in a hospital, nursing home, health club or food-related corporation, the best safeguard against a claim or allegation stemming from your professional services is your own diet nutrition services insurance Florida policy.
Diet nutrition services insurance Florida protects your firm from lawsuits with rates as low as $27/mo. Get a fast quote and your certificate of insurance now.
How Can Diet Nutrition Services Insurance Protect You?
Your insurance can be tailored to fit the industry specific risks you face. To make it more convenient for you, a custom diet nutrition services insurance Florida package can be put together to protect both you and your business.
Key Exposures For Dietitians And Nutritionists
- Copyright and trademark infringement.
- Negligence in providing support services.
- Failure in developing appropriate programs and services.
- Negligence in counseling clients.
- Wrong advice given to clients.
- Negligence in rehabilitation of clients.
- Negligence in training clients how to deal with daily activities.
Important Coverages For Dietitians And Nutritionists
Your diet nutrition services insurance Florida policy should include some or all of these coverages:
Professional Liability Insurance: Coverage for wrong advice or negligent mistakes while performing your services. This includes:
- Legal Expenses - Coverage for complaints such as professional misconduct or sexual abuse filed with regulatory boards.
- Criminal Defense Costs Reimbursement - Covers you for court cases filed under the criminal code. You will be reimbursed provided you are not found guilty of the criminal charges.
Also, if a client complains about you to a state licensing board, you could face the challenge of defending your practice and license - and thousands of dollars in legal fees. This diet nutrition services insurance Florida policy will reimburse you for your defense of disciplinary charges arising out of the incident.
Your diet nutrition services insurance Florida policy will also reimburse you for lost wages and covered expenses incurred when attending a trial, hearing, or proceeding as a defendant in a covered claim.
General Liability Insurance: If one of your patients trips and falls in your office and breaks a wrist when catching him or herself, you could be sued for the cost of medical bills. Commercial general liability will provide funds for the legal costs associated with defending your business, including attorney's fees, docket costs, and any settlements or judgments you're found to be liable for.
FL Dietitian or nutritionists that rent or lease and commercial location may also need general liability insurance in order to meet lease requirements with their landlord.
Workers' Compensation Insurance: This diet nutrition services insurance Florida policy protects you against claims from employees for your legal liability for any death, disease or injury sustained during the course of their employment and it is a legal requirement for the majority of employers. When you have workers comp as part of your business's overall risk management plan, you have an added layer of security against the risks outside your realm of control.
FL workers comp can provide the necessary funds to cover immediate medical attention, such as a visit to the ER, if an employee is injured at work. This coverage can also compensate your employee for the foregone income they would have earned while they recover.
FL Diet Nutrition Services Insurance
As FL diet/nutrition services provider, you work hard in your career and the care and treatment of your patients. A disciplinary action or malpractice lawsuit can have unforeseen consequences on both your career and financial future. Chances are your employer may offer insurance coverage, but there are oftentimes limitations and you are not fully protected. Having your own diet nutrition services insurance Florida policy is the best way to incorporate personal risk management and peace of mind.
Florida Economic Data And Commercial Insurance Requirements
If you are thinking about starting up a business in the state of Florida, it's important to understand the economic standing of the state before you set up shop. Furthermore, you should understand the rules and regulations regarding FL commercial insurance.
With this information, you will be able to determine if Florida is the right place for your business, and if so, what type of insurance you will need to carry to protect yourself, your employees, and the people that you serve.
Economic Trends For Businesses In FL
Florida is known as the sunshine state, and the economic outlook for this state is just as bright as the weather. It is estimated that the economy in Florida will reach $1 trillion by the end of the 2019 calendar year. However, while financially, the economy is expected to boom, it is forecasted that job growth will decline.
The reason for the economic boom? While businesses do certainly contribute to the economy, industry isn't the reason why Florida's economy is expected to soar; the residents that move to the state are largely responsible for its economic growth. Approximately 898 people move to Florida every day, and those new residents bring a tremendous amount of income for the state.
In terms of job growth, the rate of new jobs has been its highest since 2007; however, it is forecasted to slow during 2018. Approximately 180,000 new jobs will be added in 2018, which is slightly less than the new jobs that were added in 2017.
The industries that contribute the most to Florida's economy include:
- Aviation & Aerospace
- Financial Services
- International Trade
- Life Sciences
Commercial Insurance: Regulations & Limits In Florida
The Florida Office of Insurance Regulation regulates insurance in FL. The only type of coverage that business owners must carry is workers' compensation. Organizations in any industry must carry this type of coverage if they employ a staff of hourly or salaried workers. But, organizations that employ three or less people are not legally required to carry this type of coverage.
Business owners are also required to carry commercial auto insurance if they use any vehicles for their operations, such as making deliveries or transporting goods. Commercial liability insurance is another type of coverage that Florida business owners should consider carrying, though they are not legally required to have this type of insurance.
Additional Resources For Health & Beauty Insurance
Learn about small business health and beauty insurance coverages that help protect tattoo artists, salons, spas, estheticians, cosmetologists, barbers, hairdressers, nail salons and more from legal liability.
- Barber Hair Dresser
- Beauty Salon
- Day Spa
- Diet Nutrition Services
- Massage Therapy
- Medical Spa
- Nail Salon
- Permanent Cosmetics And Microblading
- Personal Trainer
- Tanning Salon
- Weight Loss Center
The health and beauty industries help people look good and feel great about their appearance and health. Some of the most popular are:
Cosmetologists - typically can help people with hair styling, cosmetics, and manicures and pedicures.
Estheticians - are trained to work with clients to treat skin care issues.
Hair Dressers & Barbers - offer a variety of services such as; hair cuts, styling, perms, hair dying and highlighting.
Health Club - Gyms, fitness centers, and health clubs focus on promoting healthy lifestyles and active living.
Massage Therapy, Reiki & amp; Acupuncture - can help relieve stress and improve your clients health. Work can be done in a salon, medical office, or home based. Also in your client's homes.
Permanent Makeup & Microblading - Offers coverage for permanent cosmetics, pigment removal and lightening, lasers/IPLs, and needling/MCA.
Salons - Similar to spas, salons are offer customers beauty treatments, services and products.
Spas - Have more exposures for the risks of faulty equipment, products, or unskilled employees that can injure customers.
Tattoo - Tattoo parlor and body-piercing coverage is designed to address the specific risks of artists and their studio.
Yoga & Pilates - forms of exercise designed to improve mind, body and spiritual wellness.
Request a free Diet Nutrition Services Insurance Florida quote in Altamonte Springs, Apopka, Aventura, Boca Raton, Bonita Springs, Boynton Beach, Bradenton, Cape Coral, Casselberry, Clearwater, Clermont, Coconut Creek, Cooper City, Coral Gables, Coral Springs, Crestview, Cutler Bay, Dania Beach, Davie, Daytona Beach, DeLand, Deerfield Beach, Delray Beach, Deltona, Doral, Dunedin, Edgewater, Fort Lauderdale, Fort Myers, Fort Pierce, Gainesville, Greenacres, Haines City, Hallandale Beach, Hialeah Gardens, Hialeah, Hollywood, Homestead, Jacksonville Beach, Jacksonville, Jupiter, Key West, Kissimmee, Lake Worth, Lakeland, Largo, Lauderdale Lakes, Lauderhill, Leesburg, Margate, Melbourne, Miami Beach, Miami Gardens, Miami Lakes, Miami, Miramar, New Smyrna Beach, North Lauderdale, North Miami Beach, North Miami, North Port, Oakland Park, Ocala, Ocoee, Orlando, Ormond Beach, Oviedo, Palm Bay, Palm Beach Gardens, Palm Coast, Palmetto Bay, Panama City, Parkland, Pembroke Pines, Pensacola, Pinellas Park, Plant City, Plantation, Pompano Beach, Port Orange, Port St. Lucie, Riviera Beach, Rockledge, Royal Palm Beach, Sanford, Sarasota, Sebastian, St. Cloud, St. Petersburg, Sunny Isles Beach, Sunrise, Tallahassee, Tamarac, Tampa, Tarpon Springs, Temple Terrace, Titusville, Venice, Wellington, West Palm Beach, Weston, Winter Garden, Winter Haven, Winter Park, Winter Springs and all other cities in FL - The Sunshine State.
Quotes from leading small business insurance carriers including: ACE, AmTrust, Chubb, Cincinnati, CNA, Colony, Employers, Evanston, Fireman's, Foremost, Guard, Hanover, Hiscox, Liberty Mutual, LLoyd's of London, Markel, MSA, Nationwide, Penn America, Philadelphia, Prime, Progressive, Scottsdale, The Hartford, Travelers, USLI, Utica First, Western World, Zurich & others.