Business Insurance Solutions for Peace of Mind

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Running a business brings both opportunities and risks. From company vehicles to customer interactions and employee safety, the unexpected can have serious financial consequences.

At Fravi Insurance Services, we help protect your livelihood with tailored business insurance solutions—including commercial auto, general liability, and workers’ compensation—so you can focus on growing your business with confidence. Our independent agency partners with multiple carriers, allowing us to shop around for policies that fit your unique needs and budget. Our bilingual team (English and Spanish) is ready to answer questions, compare quotes, and guide you every step of the way.

General LiabilityInsurance

In a litigious world, even a minor accident can lead to a major lawsuit. Commercial General Liability (CGL) insurance protects your business against claims of:

Bodily injury and property damage arising from your premises or operations.

Personal and advertising injury, including slander and false advertising.

Products/completed operations, which pays for injuries or property damage that occur away from your premises and are caused by your products or completed work.

CGL policies are available on an occurrence or claims‑made basis. Occurrence policies cover injuries or damage that happen while the policy is in force, even if the claim is filed later. Claims‑made policies cover incidents that occur and are reported during the policy period; adding prior acts or run‑off (“tail”) coverage can prevent gaps if you switch carriers. CGL policies typically exclude coverage for workers’ compensation and employer’s liability, pollution, and certain contractual liabilities. We’ll help you understand exclusions and recommend endorsements—such as contractual liability or product liability—based on your operations.

Commercial Auto Insurance

If you or your employees drive for work—whether you own a fleet of vans or occasionally use your own car for deliveries—you need coverage beyond a personal auto policy. A Business Auto Coverage Form (BACF) is the standard commercial auto policy that many insurers use. It provides:

Liability coverage

for bodily injury and property damage that occurs when you or your employees drive for business. Insurers often recommend liability limits of $500,000 to $1 million.

Uninsured/underinsured motorist (UM/UIM) coverage

Florida has one of the highest rates of uninsured drivers in the country, meaning the risk of your employees encountering an uninsured motorist on the road is significant. This coverage ensures your business isn’t left covering medical bills and damages out of pocket when the at-fault driver can’t pay.

Medical payments/PIP

PIP covers 80% of medical expenses and 60% of lost wages for you or your employees after an accident, regardless of fault. For commercial vehicles, working with your agent to ensure your PIP limits are adequate is especially important, as standard minimums may not fully protect your business.

Physical damage coverage

This includes collision, comprehensive and specified perils for vehicles your business owns, leases or hires. Collision covers damage from accidents; comprehensive covers non‑collision events like fire, theft, flood or falling objects; specified perils covers named risks

Unlike a personal auto policy, a commercial auto policy can be tailored to cover a single vehicle or a whole fleet. You may need coverage for autos your business owns, all autos your business owns/leases/hire, or even non‑owned vehicles used for business, such as employee cars. If a vehicle is owned by the business, the business’s name should appear as the principal insured to avoid confusion when filing a claim. Personal auto policies provide limited coverage for business use and often exclude claims that arise from commercial operations.

Workers’ Compensation Insurance

Employers have a legal responsibility to provide a safe workplace. Even with proper safety measures, accidents happen. Workers’ compensation insurance is a no-fault system that protects both employees and employers when a job-related injury or illness occurs.

Florida Requirements

  • Most businesses with 4 or more employees (full-time or part-time) must carry coverage
  • Construction businesses must carry coverage with even just one employee
  • Policies can be purchased through a private insurer or state-approved self-insurance

What It Covers

  • Medical treatment for job-related injuries or illnesses
  • Wage replacement while the employee recovers
  • Rehabilitation services to help employees return to work
  • Death benefits if an injury or illness proves fatal

Why It Matters

  • Benefits apply regardless of fault, creating a predictable recovery process
  • Protects employers from most employee lawsuits related to workplace injuries
  • Florida law includes specific rules on managed care, meaning employees must receive treatment through approved providers

Our team will help you stay compliant with Florida’s requirements and find the right coverage for your workforce.

Additional CoverageConsiderations

In addition to commercial auto, general liability and workers’ compensation, many businesses benefit from other policies, such as:

Commercial Property Insurance – covers buildings, equipment and inventory from perils like fire, theft and storms.

Business Interruption Insurance – replaces lost income and pays extra expenses if you have to shut down after a covered loss.

Professional Liability (Errors & Omissions) – protects service providers from claims of negligence or inadequate work.

Cyber Liability Insurance – covers costs associated with data breaches and cyberattacks.

Umbrella Liability – provides extra liability protection beyond the limits of your underlying policies.

Fravi can bundle coverages in a Business Owner’s Policy (BOP) or customize a package based on your industry, size and risk profile. We’ll review your operations, contracts and exposures to recommend suitable limits and endorsements.

Business Insurance FAQs

Most businesses—whether you operate from an office, storefront or out of your home—should carry general liability insurance. CGL policies protect against third‑party claims of bodily injury, property damage, and personal or advertising injury. Many landlords, clients and contracts require proof of liability coverage before doing business with you.
In most states, employers must provide workers’ compensation coverage as soon as they hire employees. In New York, for example, all businesses must have a policy, even for part‑time workers and family members. Workers’ comp is a no‑fault system: it pays benefits to employees injured on the job and generally bars them from suing their employer.
Workers’ comp pays for an injured employee’s medical care, replaces part of their lost wages, and can provide disability, rehabilitation and death benefits when an injury or illness is work‑related. Coverage applies regardless of who caused the accident.
Coverage needs vary by business. However, many insurers recommend a liability limit of at least $500,000 to $1 million because serious accidents can result in high injury and property damage claims. You can also choose physical damage coverage options—collision, comprehensive or specified perils—based on the vehicle’s value and use.
Personal auto policies often provide limited coverage for occasional business use, but they typically exclude claims arising from commercial activities and may not defend or pay damages for your business. If you or your employees regularly drive for work, a commercial auto policy is usually required. Our agents can evaluate your vehicle usage and recommend the right policy.
Requirements vary by state. Some no‑fault states mandate PIP, while MedPay may be optional or required in others. Even when optional, these coverages can provide valuable protection if you have high deductibles on your health insurance or want peace of mind for medical bills and lost wages.

Protect Your Business with Fravi

Every business faces risks—whether you’re transporting goods, working on client property or managing a team. Let Fravi Insurance Services be your guide. We’ll learn about your operations, explain coverage options in plain language, and shop multiple carriers for the right mix of protection and price. Call us today at 813‑898‑8992 or click below to start your free, no‑obligation quote. We’re ready to help you safeguard your company, employees and reputation.
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Contact Fravi Insurance Services Today

Address: 8316 Hanley Rd #9, Tampa, FL 33634

Opening Hours:

Monday – Thursday: 9 AM – 5 PM

Friday: 8.30 AM – 3 PM

Phone: 813-898-8992