5 Types of Insurance You Need to Protect Your Business in Cape Coral

Businesses in Cape Coral continue to grow and thrive, which ranges from small-sized, medium to corporate business establishments. No matter what the size or nature of your business, one thing that keeps them equal is a required need for business insurances. Insurance can be complex and as a business enthusiast, you inevitably have two major concerns when speaking of insurance. It is either you don’t want to lose money or you don’t want to be sued.

On the brighter side, business insurance can protect your company against unpredictable risks and uncertainties if you choose the right coverage. Luckily, business insurance can safeguard your company if you choose the correct coverage. Here are some common types of insurance that most businesses should take into consideration in Cape Coral.

1.General Liability

During workplace accidents, casualties, or injury, you’ll want to make sure your business is secured. General liability coverage includes coverage against payments due to property damage, bodily injury, and others.

2.Workers’ Compensation

Your business owners’ insurance may carry out vital time, effort, and resources to defend its employees, but no one can predict when an accident or injury at work might occur. With the help of workers’ compensation coverage, you’ll be able to shield your business if a worker cannot work due to an on-the-job accident, illness, or injury.

3.Fiduciary Liability

Fiduciary liability insurance protects your company in circumstances that plan participants claim there are administration mistakes. Without it, you may incur fees to cover lawsuit defense, judgments, and settlement expenses .


Originally, pollution coverage  was on the list of major business insurance policies. With pollution insurance, you’ll be much better prepared to control the costs linked with pollution cleanup. Additionally, pollution coverage often emerges as a beneficial selection for junkyards and industrial manufacturers, and garages, together with hair salons and dry cleaners that use hazardous chemicals on a daily basis. 

5.Professional Liability

To completely comprehend what professional liability is, pause for a second  and consider a common scenario: A woman arrives at a hair salon a few hours prior to her wedding. The hairstylist makes an error that causes the client’s hair to turn tangerine and could spoil the bride’s special day.

No business manager or owner is flawless, and unfortunate mistakes sometimes happen affecting a client. With professional liability coverage, your business will be protected against issues that could occur as you offer your everyday products and services to customers.

Business Owners Policy (BOP) from John Perry Insurance Agency, provide Business Owners Insurance solutions that keep all types of businesses protected. We have a customized insurance policy that combines, commercial general liability, property, crime insurance, and more based on your business and its unique needs.

John Perry Insurance Agency has an agency staff with over 150 years of insurance experience and knows how to protect our customers. Our commitment to providing insurance solutions ranges from small to medium-sized businesses, and our one of a kind coverage offers options into one convenient package for more benefits than a traditional business policy and better savings and competitive pricing.

  • Products and Completed Operations
  • Premises Liability
  • Premises Medical
  • Fire Legal Liability
  • Business Income Insurance
  • Building and Personal Property Protection
  • On-Site Equipment Insurance
  • Coverage for Inventory Loss
  • Crime Insurance
  • Island Marine

Our Cape Coral Business Owners Insurance Service Office can keep day to day operations protected with a number of different options. Our business and commercial insurance team welcomes the opportunity to work with you on creating a policy that is right for your business at our Business Owners Insurance Cape Coral.



Get comprehensive homeowners and flood insurance policies from John Perry Insurance today. Contact us through the following numbers: 863-777-4966 (Clewiston), 239-204-3211 (Fort Myers), 863-588-7336 (Labelle), and 863-824-5393 (Okeechobee).

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