14 NE 1st AVENUE Ste.513
MIAMI, FL 3132
PH:   305-883-460 4                                  FAX: 305-351-8777
PROTECTING YOUR PERSONAL AND BUSINESS RISK, SINCE 2001 ​​
COMMERCIAOL PROPERTY INSURANCE
E&O, PROFESSIONAL LIABILITY & CYBER  INSURANCE
PERSONAL & COMMERCIAL UMBRELLA  INSURANCE
W.C. INSURANCE
GENERAL LIABILITY & B.O.P.  INSURANCE
GENERAL LIABILITY
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BUSINESS OWNER
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75% of businesses have the wrong insurance. Don't second-guess your coverage. We are here to help you find the right policy the first time. Many businesses can get insured in a day
our customers usually save on their insurance. Let compete for your business so you get affordable coverage without the hassle or wait

Every business  must consider the standard asset protection provided with general liability insurance plans to effectively protect financial assets when faced with various types of liability claims First Avenue Insurance. insurance experts can help any sized business determine the coverage most appropriate to their needs which may include:
  •  Property damage coverage
  •  Personal injury protection
  •  Fire liability
  •  Liability due to errors in operations and / or products
  •  Casualty coverage
  •  Employment practices liability
Since the insurance requirements for each business will vary, discussing your particular needs with an experienced and knowledgeable insurance broker is essential. Jonray Insurance Inc. specialists customize general liability policies for businesses, from the mom and pop shop to large corporate entities.
effective protection that is specifically designed for the needs of your business
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What Type Of General Liability Coverage Does Your Business Require?
Even a small home based business requires the protection of commercial liability insurance for damages that a home policy will not cover. Don’t wait until you are liable for losses incurred from a business related situation to find out about the type of insurance policy you presently own has insufficient coverage. The experienced advisers at First Avenue Insurance  clarify your existing general liability plans and make practical recommendations that protect your assets in the event of an accident, unforeseen loss or damages.
Not All General Liability Insurance Policies Are Created Equally
First Avenue Insurance can verify that your standard liability policy General Liability policy can help pay for lawsuits  some coverage includes :

  •  Third-party injuries.
  •  Third-party property damage.
  •  Product liability.
  •  Advertising injuries.
  •  Employee injuries
  •  Professional Negligence
  •  Damages due to alcohol consumption
  •  Product Liability
General commercial liability insurance is essential but may not cover all of the risks associated with your particular commercial enterprise. Ask First Avenue Insurance about creating a bundled insurance package for cost effective protection that is specifically designed for the needs of your business.
General Liability Insurance can help pay for legal expenses when you're sued over slip-and-fall injuries, property damage, slander, and more. Small-business owners usually buy this policy first because it offers basic liability protection. They often need it to sign commercial leases and client contracts, too.
 
B.O.P policy  combines general liability insurance with additional lines of coverage built into the same policy. They are often better suited for small business owner because they offer targeted coverage options designed for specific type of business. And they’re usualy less epensive th3en purchasing coverage separately. Rather than purchasing multiple policies for liabiolity property, hired an non-owned auto, etc, a business owner policy addresses and cover these risks as one simple policy

Some coverage among other:
  • -business liability coverage
  • -business property coverage
  • -loss ofbusiness income
  • - Data breach
  • - EPLI coverage
  • -…
The two most common types of coverage included in a business owners policy are general liability and property insurance. Property coverage generally includes buildings, contents, inventory, and personal property. Additional coverages may also be included with business owners polices depending on the type of business and their common insurance needs.

ASK US ABOUT YOUR OPTIONS        305-883-4604