Skip to content
Oyer, Macoviak and Associates Insurance
Phone 561-732-9305service@oyerinsurance.com
  • AboutExpand
    • About Us
    • Blog
    • Oyer Team
    • Careers
    • Client Portal
    • Mobile App
    • Privacy Policy
    • Refer A Friend
    • Referral Partners
    • Testimonials
  • Business InsuranceExpand
    • Business
    • Business Auto
    • Contractors
    • Cyber Liability
    • EPLI
    • General Liability
    • Product Liability
    • Professional Liability
    • Surety Bonds
    • Workers Compensation
    • All Business Coverages
  • Personal InsuranceExpand
    • Auto and Home Bundle
    • Auto
    • Classic Car
    • Condominium
    • Flood
    • Health
    • Home
    • Life
    • Street Legal Golf Cart
    • Umbrella
    • All Personal Coverages
  • ServiceExpand
    • Log-In
    • Register
    • Claims
    • Companies
    • Mobile App
    • Payments
    • Service Request
    • Schedule Appointment
Get A Quote
Oyer, Macoviak and Associates Insurance

Since 1953

General Liability Insurance

Since 1953 we have helped thousands of clients to save money on general liability while we do all the work. Let us shop your policy with over “30” rated companies.

4.8 Stars - Based on 1089 Reviews
get A Quote
or Call (561) 732-9305

Testimonials

Why People are Choosing us

  • Linda Mead Avatar
    Linda M.
    - Facebook
    Highly recommend “Oyer”!!! They are all knowledgeable and efficient. AND there’s a bonus - they answer their phones and... read moreHighly recommend “Oyer”!!! They are all knowledgeable and efficient. AND there’s a bonus - they answer their phones and return phone calls immediately. read less
    Facebook Logo
    Murray Hyman Avatar
    Murray H.
    - Facebook
    They always respond to my questions or requests. I haver never made a claim with them but based on my... read moreThey always respond to my questions or requests. I haver never made a claim with them but based on my interactions with them I am very satisfied compared to my previous insurance company. read less
    Facebook Logo
    Denise Picard Avatar
    Denise P.
    - Google
    Oyer & Macoviak Insurance in Boynton Beach FL is a great company to do business with. I recently renewed my... read moreOyer & Macoviak Insurance in Boynton Beach FL is a great company to do business with. I recently renewed my automobile insurance, and they save me $400. The staff is pleasant and very knowledgeable. read less
    Google Logo
  • david boddy Avatar
    david b.
    - Google
    These folks listen to your needs and then find the proper coverage to meet those needs. They provide sound practical... read moreThese folks listen to your needs and then find the proper coverage to meet those needs. They provide sound practical advice. They treat you as a valued client. read less
    Google Logo
    Bill Bowser Avatar
    Bill B.
    - Facebook
    The whole crew at O,M & Assoc. are great! Very responsive to our needs and lots of helpful ideas so... read moreThe whole crew at O,M & Assoc. are great! Very responsive to our needs and lots of helpful ideas so we can improve our insurance and lower our premiums. Super to work with. read less
    Facebook Logo
    Peter Nachtigal Avatar
    Peter N.
    - Google
    I am very pleased with Oyer,Macoviak and associates they found the best rates for my auto & homeowners policies.I ... read moreI am very pleased with Oyer,Macoviak and associates they found the best rates for my auto & homeowners policies.I would recommend this agency to friends & family for any of your insurance needs. read less
    Google Logo
  • Simone Rezende Avatar
    Simone R.
    - Facebook
    We are very pleased with Oyer, Macoviak and Associates.
    They gave us excellent pricing, excellent service and excellent customer service...
    read moreWe are very pleased with Oyer, Macoviak and Associates.
    They gave us excellent pricing, excellent service and excellent customer service (newsletters, prompt and professional replies from the representatives). I would recommend the company to anyone looking for great service and good prices!
    read less
    Facebook Logo
    Lois Parker Avatar
    Lois P.
    - Google
    All is good
    Google Logo
    Jerry Lang Avatar
    Jerry L.
    positive review 
    - Facebook
    They are always willing to take time with me with whatever question I may have. They will get me... read moreThey are always willing to take time with me with whatever question I may have. They will get me the best rates possible. I trust them. read less
    Facebook Logo
  • Tashia Gibbs Avatar
    Tashia G.
    - Facebook
    Exceptional service from quote to binding. Cheryl Macoviak is a competent professional who went above and beyond to take... read moreExceptional service from quote to binding. Cheryl Macoviak is a competent professional who went above and beyond to take care of my insurance needs at the last minute. read less
    Facebook Logo
    Steven Rothenberg Avatar
    Steven R.
    - Google
    Excellent attention to detail and follow up with Oyer Macoviak.
    Google Logo
    Kathleen Grzych Avatar
    Kathleen G.
    - Google
    We needed auto insurance quickly and the staff was very helpful, explained our choices and got us what we needed... read moreWe needed auto insurance quickly and the staff was very helpful, explained our choices and got us what we needed to purchase a car. We are part time residents and required additional information. Thank you Oyer, Macoviak! read less
    Google Logo
  • Carol Pease Avatar
    Carol P.
    - Google
    Excellent service, integretity, knowledge and friendly.
    Google Logo
    Margaret Gogol Avatar
    Margaret G.
    - Google
    Have been with Oyer Insurance for over 25 years and have always found them to be friendly, ... read moreHave been with Oyer Insurance for over 25 years and have always found them to be friendly, helpful, efficient, easy to work with and very knowledgeable with all my insurance needs. Great company always. Highly recommended. read less
    Google Logo
    Kathryn Skop Avatar
    Kathryn S.
    - Google
    Excellent company! Been with them for years and will continue to do so. Great staff, always calls you back promptly.
    Google Logo
  • Sandie Ann Avatar
    Sandie A.
    - Google
    Received a quote for my condo insurance in under an hour. Bobby Yonta was able to work with my... read moreReceived a quote for my condo insurance in under an hour. Bobby Yonta was able to work with my mortgage company and drew up a contract for me to sign. Excellent service from a local company in my town!!!! read less
    Google Logo
    Roberta Bragg Avatar
    Roberta B.
    - Google
    My last insurance broker couldn't find a company for me so they stuck me with Citizens. I called Oyer,... read moreMy last insurance broker couldn't find a company for me so they stuck me with Citizens. I called Oyer, Macoviak, et al. They got me a great deal in a very timely fashion. Moreover they were helpful and well-informed. Obviously, I'm happy to recommend them. If you're not getting the kind of service you should, change your broker! I did and am totally happy. read less
    Google Logo
    Helaine Hurwitz Avatar
    Helaine H.
    positive review 
    - Facebook
    They are always looking for the best rates and they are very helpful in making desisions. Always avaible to speak... read moreThey are always looking for the best rates and they are very helpful in making desisions. Always avaible to speak with you and are prompt in getting back to you with answers to any questions read less
    Facebook Logo
  • Jeannie Morea Avatar
    Jeannie M.
    - Google
    I have been a client with Oyer, Macoviak and Associates for a good number of years. Their customer service is... read moreI have been a client with Oyer, Macoviak and Associates for a good number of years. Their customer service is excellent and they work hard to find the best insurance at the best price. read less
    Google Logo
    Lynda Offenkrantz Avatar
    Lynda O.
    - Facebook
    Oyer, Macoviak and Associates is a professional insurance firm that I highly recommend. They are knowledgeable, courteous and qualified to... read moreOyer, Macoviak and Associates is a professional insurance firm that I highly recommend. They are knowledgeable, courteous and qualified to meet the individual needs of their clients. read less
    Facebook Logo
    HERB GELLER Avatar
    HERB G.
    - Google
    Nice people to deal with and fast, efficient service. H
    Google Logo
  • Debbie Moore Avatar
    Debbie M.
    - Google
    Here's an example of the follow up you can expect from Oyer: I got an email saying my homeowner insurance... read moreHere's an example of the follow up you can expect from Oyer: I got an email saying my homeowner insurance was coming up for renewal and there was a note on my file that I wanted to increase my mold coverage. They scheduled an inspection, which was required for the additional coverage. The inspector noted we needed a new water heater in order to obtain the coverage. We agreed, since the photos showed the deterioration and we live in a high rise and a water heater leak would be detrimental to all the floors below. It took a couple months to obtain bids, get permits, schedule and complete the work. Oyer's office gently reminded me to send the completed invoice so I could obtain the increased coverage. You can't always expect service like this these days but you get it from Oyer. read less
    Google Logo
    Dan Winters Sr Avatar
    Dan W.
    - Facebook
    Hard working very fair professional insurance people .They always go out of the way to provide you with great advice... read moreHard working very fair professional insurance people .They always go out of the way to provide you with great advice and very competitive. Return calls quickly read less
    Facebook Logo
    Kristen Miami Avatar
    Kristen M.
    - Google
    I chose to contact Oyer, Macoviak & Associates because they are a local business. The first time I called, an... read moreI chose to contact Oyer, Macoviak & Associates because they are a local business. The first time I called, an associate answered the phone right away and I had a quote within hours. They were also very responsive to my mortgage company during my home buying process. I highly recommend due to their customer service, ease of doing business, and being able to go above and beyond for their clients. read less
    Google Logo
  • Rebecca Holechek Avatar
    Rebecca H.
    - Facebook
    So professional from the person answering the phone to the agent that helped us with our auto policy. Marie was... read moreSo professional from the person answering the phone to the agent that helped us with our auto policy. Marie was always quick to respond and answered all our questions. Plus we saved money. Looking forward to moving our homeowners insurance to them also. read less
    Facebook Logo
    Brenda Russo Avatar
    Brenda R.
    - Facebook
    Very efficient & friendly staff. Got all my insurance policies thru them. They did all the researching & found... read moreVery efficient & friendly staff. Got all my insurance policies thru them. They did all the researching & found me the best prices. read less
    Facebook Logo
    Stuart M Sims Avatar
    Stuart M.
    - Facebook
    They are on top of all my insurance needs. they advise me when premiums are due, when to change to... read moreThey are on top of all my insurance needs. they advise me when premiums are due, when to change to another insurance company due to one with a better rate or when a company is downgraded. I would highly recommend them read less
    Facebook Logo
  • Aden Reese Avatar
    Aden R.
    - Facebook
    Oyer and macoviak were a breath of fresh air after all the bad experiences I had trying to get... read moreOyer and macoviak were a breath of fresh air after all the bad experiences I had trying to get insurance for my business. either the prices were way too high or they couldn't get coverage for my LP gas business at all. I had one company get shut down while they had my deposit.
    Thank God I tried Oyer and macoviak... They were prompt and proffesional...and got me a great rate. everything went smoothly I got insurance at a great price with great service.
    5 stars.
    read less
    Facebook Logo
    Ron Darna Avatar
    Ron D.
    - Facebook
    We appreciate that Oyer Macoviak & Associates have our interest in mind by recommending additional coverages to enhance our HO policy
    Facebook Logo
    Stephen Rubin Avatar
    Stephen R.
    - Google
    I have home and flood insurance through Oyer et al. They willingly review my insurance each year, answer questions and... read moreI have home and flood insurance through Oyer et al. They willingly review my insurance each year, answer questions and seek best policies. They are cordial and responsive. read less
    Google Logo

about our company

General Liability Insurance Coverage for More than 60 Years

General liability Insurance, also known as “commercial liability insurance” is a broad commercial insurance policy that covers general liability exposures of a business. Coverage typically includes product Oyer, Macoviak and Associates recommends that all businesses have general liability insurance coverage in place.

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.

Get A Quote
Progressive Insurance Company
Hartford Insurance Company
Allstate Insurance Company
Travelers Insurance Company
Safeco Insurance Company
Mercury Insurance Company
Florida Family Insurance Company
Universal Property Insurance Company

main REASONs TO CHOOSE US

Why Oyer, Macoviak and Associates for General Liability Insurance?

General Liability  Insurance Choice

Choice

We have access to multiple companies with a range of products.

General Liability  Insurance Easy

Easy

We can easily switch you from company to company without hassle.

Unbiased General Liability Insurance

Unbiased

We are unbiased and objective, you know you have the right plan for you.

General Liability Small Business

69+

Years in Business

Let Us shop your policy with over 30 “A” rated companies.

Business Insurance

our experience

Save Up to 30% General Liability Insurance

Take a look at the list below for additional general liability coverages that are often available.

Professional Liability Insurance (Errors & Omissions) Errors & Omissions (E&O) covers professionals for negligence and errors or omissions that injure their clients or cause damage to a third party’s data. This type of insurance is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers and technology companies. Oyer, Macoviak and Associates recommends that all professional and technology companies have E&O coverage.

Employment Practices Liability Insurance (EPLI) Employment Practices Liability Insurance for employers covers employment-related liabilities other than on-the-job injuries. This can include legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees’ legal rights. If you have employees, Oyer, Macoviak and Associates recommends considering this type of coverage.

Directors and Officers Insurance (D&O) D&O covers directors and officers of a company for negligent acts or omissions and for misleading statements that result in lawsuits against the company. There is a variety of Directors and Officers coverage available such as corporate reimbursement coverage, personal liability, and entity coverage. D&O policies may be broadened to include coverage for employment practices liability as well.


quality insurance coverages

We’re Providing Quality
Insurance Coverages

Clients
Policies
Years

FAQ general liability insurance

Why Do Business with us?

As a local insurance agency (Boynton Beach, Florida) we take the time to cater to our customer’s policies to create the correct policy for them. Our team of agents is dedicated to help you protect you, your loved ones, and your business. Our office can handle any risk in Florida. In addition, our office is a Trusted Choice Insurance Agency (Independent Insurance Agent).

Get A Quote

General liability insurance is a type of insurance designed to protect a business or individual from claims which are brought as the result of an accident, injury or property damage occurring on one’s property. General liability insurance provides coverage for damages such as medical costs incurred by injured parties, compensation for time lost from work and legal defense fees if sued. Individuals with general liability insurance can also purchase coverage for products used by the insured, such as chainsaws or other power tools.

Individuals, businesses, and nonprofits typically have a variety of exposures that might require the need to purchase a general liability policy. For example, an individual involved in landscaping may have clients whose properties they maintain, and they may also have customers who are injured while on their property. An individual working in a warehouse could accidentally strike another worker with a forklift or jackhammer, injuring them. A homeowner might find that an unauthorized guest of his breaks his television while visiting and refuses to pay for the damage.

General liability insurance is often required by law for individuals and businesses who offer goods or services to the public. If an individual has no general liability insurance, he might find it difficult to obtain credit, especially from larger companies that require proof of coverage as part of their application process.

Nonprofit organizations typically have several exposures that could lead them to purchase a liability policy. For instance, they may be required to obtain liability insurance to maintain their non-profit status, or if they rent out facilities that could lead to legal issues if others are injured while using the space.

A general liability policy may provide coverage for personal injuries such as wrongful death, medical expenses and even psychological damages resulting from an accident. General liability will also compensate the insured for any property that was damaged during the incident. In the event of a wrongful death, this includes lost income and funeral costs.

Nonprofit organizations may need to carry additional coverage if they have significant assets at risk. For example, if someone is injured on one of their properties and files suit demanding compensation for his injuries, a nonprofit may need to make provisions so that they can pay all the damages without jeopardizing their ability to continue operating. What is CGL insurance?

General liability insurance (also known as “casualty”, “comprehensive general liability,” and “comprehensive” or “commercial” coverage) protects you and your business against claims of liability for death, bodily injury and property damage caused by accidents that occur on your premises or because of something you did or failed to do. Typical claims handled by general liability insurance include:

Bodily Injury – Coverage to compensate injured persons who are not employees of yours, but who suffer physical injuries because of your activities.

Property Damage – Coverage to repair or replace property damage caused by your operations, products, or premises.

Personal and Advertising Injury – Compensation for damages that result from an alleged defamatory statement (libel) about you or your business. Also provides coverage if a person is injured while on the premises because of an advertisement that you prepared.

Medical Payments Coverage – Pays for medical treatment of persons injured at your business, regardless of who may be legally responsible.

General liability insurance is not technically required but many businesses, especially those that sell or serve the public are legally obligated to have this coverage. It’s also essential for most professional services firms (like accountants and lawyers) and other organizations who work with the public like trade associations and charitable groups.


Since 1953

Need Insurance Coverage?

Call Us Today

561-732-9305

Get A Quote

About Us:
Oyer, Macoviak and Associates
1903 South Congress Ave Ste 350
Boynton Beach, FL 33426
Phone: 561-732-9305
Toll Free: 800-397-8780
Fax: 561-364-9848
Email: info@oyerinsurance.com

Office Hours:
Monday to Friday 8:30 AM to 5:00 PM

We offer a live after-hours claim service, which makes sure that you are always taken care of. You can also go online and view, make changes or report a new claim with our client portal.

Quick Links:
Careers
Claims
Companies
Import My Insurance
Payments
Privacy Policy
Refer A Friend
Referral Partners
Service Request
Schedule Appointment

Oyer, Macoviak and Associates

© 2023 Oyer, Macoviak and Associates

Facebook Twitter Instagram Pinterest YouTube Linkedin
  • About
    • About Us
    • Blog
    • Oyer Team
    • Careers
    • Privacy Policy
    • Refer A Friend
    • Referral Partners
    • Testimonials
  • Insurance Plans
    • Business Insurance
    • Personal Insurance
  • Service
    • Log-In
    • Register
    • Claims
    • Companies
    • Mobile App
    • Payments
    • Service Request
    • Schedule Appointment
  • Email
  • Get A Quote
  • 561-732-9305