Our Commitment is to Service You the Florida Business Owner

Oyer, Macoviak and Associates knows business in our communities – you can find our offices in Protecting Boynton Beach and our clients all around Florida. As a Trusted Choice insurance agency, we take pride in reviewing your options with multiple insurance companies and comparing protection and prices to find the best value for your business. We’re proud members of the Protecting Boynton Beach marketplace and we’re committed to being an advocate for you and your business in times of need.

Business Insurance

Oyer, Macoviak and Associates knows that in Florida there are as many unique business insurance needs as we have neighbors who live here! To talk with one of our helpful team members about your business insurance needs, contact us today.

Frequently Asked Questions about Business Insurance

Business insurance is a contract of insurance between the insured and an insurer, which entitles the insured to be indemnified against specified losses.

Available coverage for business organizations consists of property insurance and liability insurance. Property insurance covers buildings, machinery, equipment, furniture, and fixtures owned by the business. Liability insurance provides defense costs as well as payment for damages arising from claims of injury to third parties or their property.

Business insurance is usually purchased in one of three forms: as a single policy combining all coverages, as separate policies, or through an excess liability policy that provides higher limits for the most significant exposures and covers specific assets with lower limits.

Businesses obtain coverage for various risks including fire, flood, burglary, and robbery; employee dishonesty and fraud; product liability; business interruption of operations; auto liability; cyber-attack or breach of privacy.

Businesses obtain coverage for various risks including fire, flood, burglary, and robbery; employee dishonesty and fraud; product liability; business interruption of operations; auto liability; cyber-attack or breach of privacy.

All businesses need: a written Business Owner's Policy (BOP); public liability coverage to protect against claims arising from bodily injury or property damage because of business operations; and commercial auto coverage (if the business transports employees in any motorized vehicle).

Most businesses should purchase the minimum amount of insurance required by law. If more coverage is wanted, it is advisable to have an attorney evaluate your situation.

A BOP provides comprehensive general liability coverage, typically including claims arising from bodily injury or property damage because of business operations; advertising and personal injury liability; contractual liability; products-completed operations hazard (business interruption); medical payments; legal defense expenses.

Liability coverage is usually the costliest element in a BOP and as such should be purchased at limits adequate to meet your insured obligations.

The average small business pays about $3,000 to $5,000 annually in premiums. This includes commercial auto premiums and general liability as well as some property coverages.

Let Us Handle All the Work While You Save

Speak with a licensed agent (561) 732-9305

Tailored Business Insurance Programs

At Oyer, Macoviak and Associates we have specific tailored insurance programs for the following types of business’s which can save the business owner up to 30%

* Apartment Insurance
* Beauty and Barber Shop Insurance
* Commercial Property Insurance
* Contractors Insurance ( General Contractor, Plumbing, Painting, Landscape, Electricians, Floor Installation, Heating and Air Conditioning and many more)
* Dentist Office Insurance
* Florist Shop Insurance
* Home Health Aide
* Legal Office Insurance
* Medical Office Insurance
* Optical Good Store Insurance
* Personal Care Aide
* Real Estate Agents Insurance
* Restaurant Insurance
* Retail Insurance
* Wholesalers Insurance

* General Liability Insurance – Broad insurance coverage for your business and activities.
* Commercial Property Insurance – Protect your business with insurance for your commercial property.
* Business Auto Insurance – Cover your business with insurance for commercial vehicles.
* Commercial Umbrella Insurance – Insurance coverage that helps protect your business from the rising costs of lawsuits.
* Workers’ Compensation Insurance – Insurance coverage that helps you take care of your employees.
* Bonds – Protect your assets with financial backups for promises made by others.

Every business is unique – talk to Oyer, Macoviak and Associates today to find out how to get the best Business insurance, service, price and value. Give Oyer, Macoviak and Associates a call for a business insurance quote at 561-732-9305 or request a quote online.

At Oyer, Macoviak and Associates we are not captive to one insurance company so we can shop the different insurance companies to give you the best coverage with the best rate.