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.
Dog Walking Insurance Florida
Dog Walking Insurance Florida. If you love dogs, a dog walking business can be a fulfilling endeavor that you can use to augment your existing income or to have a business of your own that generates full-time income for you. While starting such a business is relatively simple, it is nonetheless a serious endeavor.
Dog walkers must be able to take on multiple dogs, and many offer additional pet services, including boarding and grooming. Because pets are so important to your customers, it is important that you also protect your business by purchasing dog walking insurance Florida.
Dog walking insurance Florida protects your business from lawsuits with rates as low as $57/mo. Get a fast quote and your certificate of insurance now.
Tips for Dog Walkers from the ASPCA
Dog walkers can have more success when they follow these tips from the American Society for the Prevention of Cruelty to Animals:
- In parks, use flexible leashes, but avoid these types of leashes in high-traffic locations. The use of these leashes prevent the dog from getting away from the walker, so it stays safe.
- For dogs that tend to get away from their walkers, a metal lead is a good option, although they are hard to handle and a bit heavy.
- Avoid wildlife by walking dogs in the early morning or in the evening. This lessens a dog's natural urge to chase small animals.
- Steer clear of flower beds and grass during warmer months of the year, since dogs may ingest certain flowers or be exposed to insecticides that may be harmful to them.
- Bring along extra waste bags, treats, and water for the dog.
Starting A Dog Walking Business In Florida
Before taking on your first furry clients, protect yourself and your business with dog walking insurance.
Prior to starting a FL dog walking business, it is imperative to research the market to make a determination as to whether the business would thrive in your particular area. This lessens any frustration or failures down the road. Ask around to see if people are willing to pay for dog walking services. Take to social media or email to conduct a survey of interest in the community. If there is interest for dog walkers and people need the service, your chances for success are heightened.
Be sure to follow local regulations in regards to registering your dog walking business. Open a business banking account, and determine a proper recordkeeping method for the business.
Buying Dog Walking Insurance Florida
Dog walking insurance Florida protects the dogs that you care for and walk and also protects the business from liability. Working with multiple dogs at once increases your chances of liability if a dog is injured by another dog while you're caring for the dogs. Having dog walking insurance Florida in place also helps to enhance your reputation as a professional dog walker and gives clients peace of mind in hiring you and trusting you with their dogs.
Dog walking insurance is not a common insurance product, so it can be difficult to find a policy that works for you. Work with a licensed agent to find a company willing to write the policy you need.
Bonding And Dog Walking Insurance Florida
After obtaining insurance for your dog walking business, check into bonding options and requirements in your locale. You may need to receive a fidelity bond that protects your business from lawsuits and claims arising from your actions or those of your employees.
Even in states where bonding is optional for dog walking businesses, consider applying for bonding anyway. This shows your clients that they can trust you, and that if any sort of fraudulent activity occurs, they can have peace of mind in knowing that they can seek compensation. Some states may require bonding prior to registration of the business, and liability insurance is required in some areas. The added expense is worth the security such policies provide.
Finding FL Dog Walking Insurance
To find a reliable company selling insurance policies and offering business bonds, check with:
- Commercial insurance agents. These agents can shop with multiple companies, so you can get the most unbiased feedback and advice and gain the ability to compare rates among top companies.
- Attorneys. Discuss liability concerns with an attorney to find out how much insurance you may need and the risks involved in operating a small business.
- Financial advisors. Most financial advisors can connect you with an insurance agent who can help you find the right level of coverage for your particular situation.
After researching your needs, be sure to compare different dog walking insurance Florida policies to find the right policy for your budget, based on the coverage you need and your level of risk acceptance.
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 Children & Pet / Dog Care Insurance
Discover what small business commercial insurance policies cover for children and pet related businesses.
Whenever children are involved, an extra level of care needs to be taken when selecting an business insurance policy.
Younger children require more supervision than older children. Each state establishes minimum standards and ratios for children-to-adults based on the children's ages.
Day care facilities must comply with these minimum standards and some exceed them by having additional staff to provide more personal attention and activities.
Pet related businesses have a large liability risk when working with multiple dogs. If one of the dogs bites someone, they can do a of of damage and claims are often in the thousands. Certain breeds of dogs can do major damage if they bite.
Another consideration in the pets themselves - what if they are injured while being groomed or walked? What if one dog attacks another while you are walking them?
If you do not have the right coverage you could have to pay a claim and expensive legal fees out-of-pocket.
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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.