14 NE 1st AVENUE Ste.513
MIAMI, FL 3132
PH:   305-883-460 4                                  FAX: 305-351-8777
G.L. & B.O.P.
business commercial insurance

There is no time like the present
It is all too common for small business owners to put off getting the right kind of insurance that they require. There are many excuses:
  •  I have more important things to do
  •  I can’t afford it
  •  My current coverage should be enough
  •  My business just started
  •  I will get to it when business picks up
All you need to know is that when an accident occurs all you will be left with is a handful of excuses and financial burden that your company may not be able to recover from
 Whether your business is large or small, we have the products to meet your  needs.
 Every business and industry is unique and we will identify the ways to properly  insure your business
​As an intelligent business owner, First Avenue Insurance. understands that you require only a certain amount of insurance protection for your business assets. Choosing the right policy from a wide variety of coverage options can be overwhelming.
We take the time to create an insurance plan that offers maximum protection and is tailored precisely for your business. Call us for a free consultation and quote and see all the options that are open to you.
Your company's commercial/business auto are part of your  business's assets, make sure you protect them. Pay Only for the Coverage You Need

We look forward to showing you what we can doYour ​​
worker compensation
Professional Liability Insurance
Most business owners understand that a general liability policy offers only basic financial protection at a specified amount to financially protect their organizations against claims made but your business in Miami may still be vulnerable to costly lawsuits when claims involving negligence arise. First Avenue Insurance . provides professional liability insurance coverage and customizes your policy to fit the particular needs of your profession or industry.
Besides negligence standard insurances often do not cover:
  •  Misrepresentation
  •  Violation of good faith or fair dealing
  •  Inaccurate advice
In these cases, you or an employee can be sued with no financial coverage. Leading you to have to pay out of pocket which can lead to financial stress or at worst bankruptcy.
To know more information about why Do you Need Professional Liability Insurance and.Which Service Industries Require Coverage call our office at   305-883-4604
 Workers' Compensation
First Avenue Insurance. offers affordable W.C.  insurance to protect your employees and your business assets . Whether you have a small number of employees, or a run a business with a large staff, most employers are required by law to provide compensation coverage in the event of a lawsuit filed against your company for workplace accidents, or to cover lost wages and medical expenses from such job related illness or injury.
Employers have a legal responsibility to their employees to make  the workplace safe.
However, accidents happen even when every reasonable safety  measure has been taken.
 To protect employers from lawsuits resulting from workplace  accidents and to provide medical care and compensation for lost  income to employees hurt in workplace accidents, in almost every  state, businesses are required to buy workers compensation  insurance.
 Workers compensation insurance covers workers injured on the j  job, whether they're hurt on the workplace premises or  elsewhere, or in auto accidents while on business. It also covers  work-related illnesses.

​​                  Commercial Umbrella Insurance
All businesses are different, and not just because of the products or services they offer.
Your standard liability insurance protects you and your business against certain types of loss but may not provide sufficient coverage in the event of a lawsuit or if your business is faced with overwhelming cost claims. Jonray Insurance Inc. in Miami provides commercial umbrella insurance that offers additional protection and coverage to pick up where your standard liability policy finishes off.
Commercial Umbrella Coverage. Protects Your Business Assets from:
Customize Your Commercial Umbrella Policy
No two businesses are alike. From a professional health care provider’s office, to a beauty salon or auto body shop, each When your LIABILITY protection is not enought to protect your asset agains a Law suit,to think about this coverage who extend you protection  over the limit you will choose for an inexpensive premium you will gain a peace of mind
Remember accident happen 
Commercial Property Insurance
Combine Commercial Liability and Property Coverage
At First Avenue Insurance,   our insurance specialists can combine property and liability coverage in order to meet your business protection needs. These policy packages can be specifically designed to safeguard your commercial property against loss incurred as a result of day-to-day activities.
You want to insure your commercial properly, yet you don’t want to pay for coverage you don’t need.
 Commercial building insurance is important to have,  regardless of the coverage you choose. Make sure the  insurance policy and the coverage you choose suits your  needs. keep your building, property and employees covered.
 Two of the most popular types of commercial building  insurance are called "named-peril" and "all-risk" policies. A  named-peril policy covers property in the event of any  specific hazards specifically mentioned in the contract. For  instance, a named-peril policy might mention fire and  explosions, while excluding floods.
 The protection provided by the building insurance coverage  will depend on a number of factors. The physical location of  the property will be a major factor in what types of  protection are included in the policy.
We look forward to working with you to help your business secure its future, whatever may come.
Average cost of a compromised record from a data breach is $259 in the Insurance/Financial Industry per Poenom Institutes 2015 report. How many customers information do you currently have on your Agency System?  The types of losses agents across the country are having listed below. Make sure you have the coverage in place you need and not a low limit add on Cyber Policy.
  • Hacking /Phishing:
  • Payment Card Fraud  :
  • Lost or Stolen Computers/Laptop/Smart Phones  :
  • Unintended Disclosure:
  • Insider Breach: 
  • Cyber Extortion/Randsomware:

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