Business Insurance

Business Insurance

Tell us about your business once, and our independent agency can shop coverage options from more than 30 rated companies for you. We help business owners compare options in Florida, Georgia, North Carolina, and Tennessee.

4.9 Stars - Based on 622 Google Reviews
Get A Quote or Call (561) 732-9305

One request. We shop over 30 rated companies for you.

1Tell us onceShare what you need.
2We shop30+ rated companies.
3You chooseWith local guidance.

Types of Business Insurance Coverage

Business insurance should be clear enough to act on. Our team helps business owners compare coverage options for liability, property, commercial auto, workers compensation, cyber liability, and other business risks.

Business Insurance Coverage for More than 70 Years

Welcome to Oyer, Macoviak and Associates, your independent agency for commercial insurance solutions. Since 1953, we’ve helped business owners compare business insurance options in Florida, Georgia, North Carolina, and Tennessee.

We compare options from more than 30 rated insurance companies and help you understand which coverage choices may fit your business, industry, vehicles, employees, contracts, and risk. Many businesses review contractors liability insurance, commercial auto insurance, and workers compensation insurance together so coverage conversations do not happen in separate silos.

Our goal is to make the process easier. You provide the details once, and our team handles the comparison work so you do not have to chase multiple companies on your own.

Whether you need general liability, a business owners policy, commercial auto, workers compensation, or another commercial policy, we help you compare available options and choose the next step with confidence.

Florida business owner reviewing commercial insurance coverage at work

One request. We shop over 30 rated companies for you.

ProgressiveThe HartfordTravelersAllstateGEICOLiberty Mutual

Why People are Choosing us

4.9 Stars - Based on 622 Google Reviews

Compare Business Insurance Options

If you’re a business owner, then you know that the most important asset you need to protect is your company itself and your employees.

At Oyer, Macoviak and Associates, we are dedicated to helping clients compare business insurance options while we do the shopping work for them.

We work with more than 30 rated companies, giving our team multiple places to look for business insurance options that may fit your operations, contracts, and risk profile.

Let us help review your options so your business has a clearer path forward.

Business Insurance Articles

FAQ Business Insurance

Why Do Business with us?

As a local independent insurance agency based in Boynton Beach, Florida, we help business owners compare coverage options across Florida, Georgia, North Carolina, and Tennessee. Our team takes the time to understand your business, explain available options, and make it easier to protect what you are building. We are also a Trusted Choice Insurance Agency (Independent Insurance Agent).

01What is 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.

02What is business insurance and why do I need it?

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.

03Who needs It?

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).

04How much insurance do you need?

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).

05Do I need liability coverage or just property and equipment coverage?

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

06What are the basic elements of a Business Owner’s Policy?

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.

Need Insurance Coverage?

Call Us Today

561-732-9305 Get A Quote