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Commercial Insurance Free Quote

Commercial Insurance Specialists’ personnel will regularly work with you to review your business insurance program needs and evaluate changes in exposures and hazards. We present customized solutions and alternatives to help protect your business.

FREE QUOTE

Fill out the form below to get your free quote. One of our consultants will contact you as soon as we know what you are looking for. Have questions? Give us a call 813-703-1224

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- Auto Insurance
- Directors and Officers
- Equipment Maintenance
- Errors and Omissions
- Flood Insurance
- General Liability
- Product Liability
- Property Insurance
- Workers’ Compensation
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Tampa’s Best Commercial Insurance Company

Lines of Coverage

Automobile
Boiler & Machinery
Bonds (Fidelity, Surety)
Builder’s Risk
Business Owner Policies
Crime
Directors & Officers
Employment Practices Liability
Environmental
Equipment Maintenance
Errors & Omissions
Fiduciary
Flood
Foreign Liability
General Liability
Inland Marine
Ocean Marine
Package Policies
Product Liability
Professional Liability
Property
Transportation/Truckers
Umbrella/Excess
Watercraft
Windstorm

Evaluating Your Insurance Options

Is it time to Take a Closer Look at Workers’ Compensation?

Most business owners are aware of the changing landscape on the group health insurance side but many are not aware of the 8.9% increase in FL workers’ compensation rates effective January 1st 2012. While a lot of publicity and attention has justifiably been directed towards increasing health insurance rates, Florida’s increasing in workers’ compensation rates have gone largely unnoticed.

FL Work Comp History

In 2003, Florida had some of the highest workers’ compensation rates in the country which negatively impacted businesses. Florida implemented major changes to the workers’ compensation system to provide relief to business owners. Major changes included; revising eligibility standards for disability benefits, setting limits on attorney fees, and revising medical fee schedules. The impact of these changes was a dramatic success with a 63.2% decrease in average rates through January of 2011.

The 8.9% increase in workers’ compensation rates effective January 1st 2012 on top of the 7.8% increase in 2011, is significant from the standpoint that the pendulum now appears poised to swing in the same direction as health insurance rates. Similar to health insurance, medical costs continue to escalate, pressuring loss costs which are measured by NCCI(National Council on Compensation Insurance), the largest provider of workers’ compensation and employee injury data in the nation.

Personal Insurance

Commercial Insurance Specialists provide a wide variety of coverage options throughout Tampa Bay designed to protect your automobile, home, and valuable possessions. A partial list of our coverage lines includes:

Automobile
Boats/Yachts
Condominiums
Dwelling Policies
Fine Arts
Flood
Furs
Homeowners
Jewelry
Recreational Vehicles
Umbrella
Windstorm