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Mutual Insurance Group of Florida | 305.820.0600 | 5580 W 16th Ave, Suite 105, Hialeah, Florida, 33012
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Business Insurance

Our Agency  has years of experience in providing commercial insurance, offering a complete range of insurance and employee benefit solutions from top name carriers. Let us help you in  selecting the right solution for your particular business. Below is a partial list of insurance coverages we offer along with a summary definition of the coverage.

General Liability      
         Liability insurance protects the assets of a business when it is sued for something
         it is liable for by causing an injury or property damage. Covered general liability claims
         can include bodily injury, property damage, personal injury, and advertising injury
         (damage from slander or false advertising). The insurance company can cover
         compensatory and general damages as well. Punitive damages aren't covered
         because they're considered to be punishment for intentional acts.

         Transferring risk is what it's all about ! For many businesses, this is one of the
         largest exposures. General Liability insurance comes in many different "shapes and
         sizes", we can tailor a program specific to your needs and risk tolerance. Price,
         coverage and your company's specific requirements help us develop an attractive
         insurance program designed just for your needs !

    
Worker's Compensation 
         A California State mandated form of insurance covering workers injured in job-related
         accidents. It's right up there with payroll and taxes. Finding the best price is only half
         the battle. In addition, we help you keep those costs down by providing Claims
         Administrations, Experience Modification Analysis and Safety/Loss Control
         assistance. We have access to just about every insurance carrier in California
         including some exclusive programs.

  
WRAP / OCIP / CCIP or "WRAP-up" Coverage   
         Have a multi-unit project and can't get subs to bid ? Whether you are a sub, GC or
         developer, you need to know what you are getting with these programs. WRAP /
         OCIP / CCIP insurance is specific to a named project or projects. It covers all trades
         under one policy. All WRAPS aren't created equal, Our Insurance
         staff has unique expertise in negotiating WRAP-ups.

         The policy may include general liability insurance, workers' compensation insurance ,
         umbrella liability insurance, payment and performance bonds, and builders' risk
         insurance. By insuring all under one policy, premiums are reduced, coverage can be
         increased and duplication of coverages is avoided.

  
Umbrella / Excess Liability Insurance    
         Umbrella, or excess liability insurance, provides additional liability coverage (above
         general liability limits) for specific risks once a policy's coverage limit has been
         exhausted. It also provides additional liability for certain risks that would not be
         covered by the primary insurance policy.

   
Property and Equipment Insurance    
         Property insurance covers items like your buildings, leasehold improvements, signage,
         equipment and personal property. It can include coverage for employee theft, forgery
         and/or dishonesty. There may also be coverage for contract penalties assessed
         against you if you can not complete the work because the property being installed
         was damaged by a covered loss.

         Equipment breakdown insurance covers repair and replacement costs of the insured
         equipment - items like computers, air-conditioners, water heaters and electrical
         systems.

   
Commercial Auto Insurance    
         This is important insurance to get right the first time. We help select the options that
         apply to your business risks. This insurance covers your business autos, or
         employees while they use their personal autos on company business. There are
         other coverage enhancements that may be needed as well for permanently installed
         electronic equipment, rental autos, lease gap coverage and more...

  
Professional Liability Insurance    
         We can ease your executive protection worries by covering you with a tailored
         program of professional liability insurance. Coverage in risk areas like - employment
         practices liability, errors & omissions, Directors & Officers liability, crime / financial
         fidelity, fiduciary liability and Internet liability.

   
Directors and Officers Liability Insurance
         Directors and Officers Liability Insurance is insurance payable to the directors and
         officers of a company, or to the corporation itself, to cover damages or defense
         costs in the event they are sued for wrongful acts while they are (were) with that
         company. Directors and Officers Liability insurance is commonly purchased with a
         companion product "Company Reimbursement Insurance".

   
Commercial Earthquake Insurance    
         Commercial earthquake insurance can be very important in Some Cases, where
         earthquakes are a fact of life. Most commercial property policies exclude coverage for
         earthquake damage (including earthquake sprinkler damage, etc.).

  
Fidelity and Fiduciary Insurance    
         A fidelity bond provides coverage for dishonest and/or fraudulent acts of employees
         that could arise in the course of handling money or securities of others. A fidelity
         bond may also be referred to as an employee dishonesty bond. One variation of the
         fidelity bond is the ERISA fidelity bond which provides coverage for dishonest and/or
         fraudulent acts of trustees.

         Fiduciary liability insurance (also referred to as ERISA liability insurance) provides
         coverage for breaches of fiduciary duty by ERISA plan fiduciaries. Unlike the fidelity
         bond, fiduciary liability insurance offers plan fiduciaries protection of personal assets.

   
Pollution Coverage        
         There are various forms of environmental insurance from cleaning up a site or future
         pollution liability of a site  (Pollution Legal Liability) to construction projects which cover
         environmental conditions that occur during and as a result of the construction project
         work. This second insurance program is controlled by the contractor (Contractor
         Pollution Legal Liability Coverage) . These policies are generally more aggressive in
         providing mold coverage than with the Pollution Legal Liability insurance.

   
Business Continuation Insurance    
         Business continuation insurance covers the life or lives of employees whose
         demise would have a substantial financial impact on the surviving organizationís
         ability to function and prosper in its future, typically these might be persons who have
         essential management, marketing, financial or technical expertise.

         For instance - should a partner/corporate officer die or become disabled, business
         continuation insurance provides cash to the surviving partners/stockholders to
         continue the business or purchase the stock or interest of the deceased or
         disabled partner.

   
Group Benefits including Group Health    
         Second to payroll, employee benefit costs are often the highest expense item in a
         company's financial statement. We recognize that all companies' benefit needs are
         not the same. We provide each client with a personalized Market Analysis based on
         their unique circumstances. We become an extension of your Human Resources
         Department by providing new employee enrollment, eligibility, COBRA administration,
         and claims resolution.

         Benefits represent a large percentage of an employee's total cost. Worker's
         Compensation, State Disability, Social Security, Unemployment, Sick Leave and
         Vacation time are all benefits provided by you, the employer. This employer "value" is
         recognized and highlighted by our Insurance  Services providing each of your
         employees with a personalized Bene-Check illustrating not only the cost of their
         traditional benefits (health, dental, vision, etc) but also the cost of all the other
         valuable benefits.

  
  
Commercial Surety        
         Let us help you decide on the right bond coverage to minimize your business risks.
         Here is a common example of a commercial bond we offer :

         A License / Permit bond that guarantees a company or individual will operate in
         accordance with governmental statues, regulations and ordinances. There are
         numerous obligation scenarios depending on the specific bond.

  
Risk Management    
         Our experienced team can help in you in your company's risk management -
         identification, assessment, avoidance, reduction and acceptance. We align
         coverages with exposures, identify coverage gaps, offer insurance and non-
         insurance risk control options and quantitatively determine costs of risk.
"Quality Coverage at Lowest Price"