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Bankers has products designed specifically to meet the needs of small and medium-sized businesses like yours. And we continue to research and design new products with your business needs in mind. Your agent can help you decide which products give you the best coverage for your specific needs.

Business Owners Policy (BOP)

Our Business Owners Policy is designed specifically for small retail businesses, offices, condominiums with five or more attached units, apartment houses, and building owners who lease out their premises with similar occupancies. BOP gives you peace of mind because it covers several perils including property and general liability, as well as a wide array of options.

Standard Flood

Flood insurance should be a high priority to protect one of your most valuable possessions - your business. Businesses can purchase flood coverage for inventory, merchandise, machinery, and even improvements made to a leased commercial structure for up to $500,000. Almost 25 percent of all flood insurance claims come from areas with minimal flood risk. The federal government requires mortgaged properties in Special Flood Hazard Areas (SFHA) to be insured against flooding. Since flood insurance rates and coverage levels are set by the government, they're the same regardless of the carrier you choose. Standard Flood is available in 40 states and DC at this time. See the link below for state listing below.

Excess Flood

Excess flood provides the protection you need if your business structure is valued above the cap of your Standard Flood policy. With a Banker's Excess Flood policy, you can increase the coverage on your business structure from $500,000 to $1 million, depending on the state. You can also increase the existing coverage on your contents, up to an additional $100,000. Excess Flood is also available for Homes.

Artisan Contractors

This distinctive, innovative product was designed specifically for small- to medium- sized artisan contractor businesses. Artisan Contractors provides general liability, fire damage and medical expense coverages as well as options for inland marine coverage and additional insureds. Artisan Contractors covers contractors in dozens of classes.

Contractors General Liability

The Contractors General Liability (CGL) program provides comprehensive liability protection to meet the needs of the residential and light commercial construction industry and the remodeling industry. The program is designed for builders of one to four family dwellings.

Builders Risk

The Builders Risk program provides course of construction protection to meet the needs of the residential and light commercial construction industry. The program is designed for builders of one to four family dwellings,  fee simple townhouses and non-industrial buildings.

Contract and Commercial Surety Bonds

Bankers can meet the bonding needs of businesses by providing third-party Contract and Commercial Bonds to business owners. Contract Bonds guarantee that the party will fulfill his or her commitments according to contract specifications. Commercial Bonds are required by most commercial entities. They guarantee compliance on the part of individuals and firms with the laws, regulations, or private agreements to which principals become obligated.

PEO

Bankers Employer Services offers a complete Workers' Compensation Risk Management program in Florida designed for small- and medium-sized businesses. Includes Workers' Compensation, Payroll and Benefits Administration, and Human Resources Management.