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Products | All Safe Insurance


Business Insurance / Commercial Insurance

All Safe Insurance has been a leading provider of insurance solutions for all types of businesses throughout Southern Florida for many years. We’ve worked side-by-side with our business partners in and around one of the world’s most challenging insurance marketplaces.
At All Safe Insurance, we are specialists in serving your insurance needs by offering a full range of insurance solutions. We are ready to help in selecting the proper solutions for your unique business situation and risk tolerance.
Insurance comes in many different “shapes and sizes” and at All Safe Insurance, we’ll tailor a program specific to your business needs. Price, coverage and your company’s specific requirements are considered when developing an attractive risk management plan designed just for your needs. Transferring risk is the name of the game!

Here are some of our areas of expertise along with a brief definition for each coverage.

General Liability Insurance

Liability insurance protects the assets of a business and its’ owners in the event they are sued for an accident occurring at the business’ premises or is caused by the products and/or services sold by the business. Covered general liability claims can include bodily injury, property damage or personal and advertising injury. The insurance company can cover compensatory, as well as, general damages.

Umbrella Excess / Liability Insurance

An Umbrella or excess liability provides liability coverage above an underlying general liability policy’s limits. It also may provide additional liability for certain risks (i.e. Auto, Worker’s Comp, Liquor, etc.) that would not be covered by the primary underlying insurance policy.

Worker’s Compensation

Worker’s Compensation is a mandated form of insurance for businesses covering workers injured in job-related accidents. All Safe Insurance can help keep your costs down by providing safety controls, claims management, policy analysis and a good “back-to-work” strategy. We have access to just about every worker’s compensation insurance carrier in Florida and the expertise for insuring a business of any size.

Property and Equipment Insurance

Property and Equipment insurance covers items like your buildings, leasehold improvements, business personal property, machinery, tools, business income and signage. It can include coverage for employee theft, forgery and/or dishonesty. Equipment Breakdown insurance covers repair and replacement costs of the insured equipment when damages are caused by mechanical failure.

Windstorm (Hurricane) Insurance

Windstorm (Hurricane) insurance provides a critical coverage that is most important in Florida, where hurricanes are a routine part of life. Commercial property policies may include or exclude coverage for hurricane damage. If you own an apartment building, shopping center, office building, or any commercial property in Florida you must plan your investment protection plan to include this very important coverage.

Commercial Auto Insurance

Commercial Auto insurance is one of the most important insurance policies to get right the first time. All Safe Insurance will help select the option that best applies to your business needs. This insurance program provides coverage to, not just your business autos, but also for employees autos used for business purposes, and also autos that are rented or hired. The insurance coverages may include liability, physical damage, PIP, UM, towing, roadside assistance, car rental expense and more.

Professional Liability Insurance

Professional Liability can provide protection for your company’s service and covers your business for Employment Practices liability, Errors & Omissions, Directors & Officers liability and more. Whether you are an Attorney, Accountant, Engineer, Architect, Realtor, Property Manager, or provide any other professional service, this is a vital tool to help ensure your “peace of mind.”

Directors and Officers Liability Insurance

Directors and Officers Liability Insurance insures the Directors and Officers of a corporation or of an association. Coverages are for defense costs in the event they are sued for wrongful acts while they perform their duties as a member of a Board of Directors.

Employment Practices Liability

EPLI coverage developed in response to changes resulting from the Civil Rights Act of 1991, Americans with Disabilities Act, and the Family Medical Leave Act, all of which provided employees increased rights when dealing with their employers. EPLI insurance is designed to protect businesses against lawsuits by workers for sexual harassment, discrimination, wrongful termination, breach of employment and other employee rights infractions.

Fidelity and Fiduciary Insurance

Fidelity and Fiduciary bonds provide coverage for dishonest and/or fraudulent acts of employees that could arise in the course of handling money or securities of the organization.

Pollution Coverage

Pollution and other forms of environmental insurance provide coverage for the costs from cleaning a spill or contamination on or off the business premises. The coverage can be applied to construction projects which cover environmental conditions that occur during and as a result of the construction project work. These policies may provide coverage for contaminations resulting from mold or storage tanks.

Commercial/ Construction Surety Bonds

All Safe Insurance has a strong understanding of the bond industry which allows us to offer you the best products and services in the marketplace.

Here are some common types of bonds offered:

  • Performance Bonds: Assures a contract will be performed according to the agreed upon specifications. If not, the bond generally obligates the surety to either;
  1. Finance the contractor
  2. Undertake completing the project
  3. Tender another contractor to the owner… or
  4. Pay the penalty.
  • Payment Bonds: Assures a contractor makes timely and full payment for labor and material consumed on a project.
  • Maintenance Bonds: Assures a project remains free of defects in workmanship or materials for a period of time.
  • License/Permit Bond: Assures a company or individual will operate in accordance with governmental statues, regulations and ordinance

WRAP / OCIP / CCIP or “WRAP-up” Coverage

WRAP / OCIP / CCIP insurance is specific to a named project or projects. It covers all sub-contracted trades under one policy. Let our staff’s expertise in construction management fit you with the right solution. These policies 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 coverage is avoided.

Risk Management

The All Safe Insurance’s team is experienced to help you in your company’s risk management strategy. Our services include 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 potential risk.

Claims Management

All Safe Insurance is here for you before, during and after the claim . A courteous and concerned claims person will walk you through the entire claims process. Our in-house claims processor will follow up with you and the insurance company adjuster to make sure your claim is professionally adjusted and your business can return to normal operation quickly. You will receive constant communications on the status of your claim until closed and will have us at your service to help get the claim settled and closed in the appropriate manner.

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