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Contractors by truck - SSM Insurance- Ca

The Future is now. Safeguard your livelihood.

You've put your heart and soul into your business. Now it's time to protect your investment with an insurance solution designed for your unique situation and needs. 


Which coverage is right for you?  Count on us to take the time to get to know you and your business. Then we'll shop our trusted carriers to deliver you the right policy to protect your livelihood today and into the future. 

Below is a snapshot of our offerings. Call us for more information on these and other insurance products.

Commercial General Liability

This business insurance protects your assets if a customer gets injured while on your property, or an employee causes bodily harm or damage to other individuals or property.  It also protects you from reputational harm, advertising errors, and emotional distress. Typically, legal fees, settlements, and medical expenses are covered if litigation occurs.

Commercial Auto & Truck

Protect your business while on the road. Whether you own one car or a fleet of trucks, this policy insures your vehicles for physical damage and liability.  It's critical to keep in mind this policy differs from a personal auto insurance policy.

Commercial Property

From theft of office computers to a leaky roof or a natural disaster, this insurance covers the unexpected.  We understand the most common issues in Southwest Florida, and will make sure your business is covered with the right policy.

Cyber Liability

Cyber insurance covers the cost for a business to recover from a virus, an electronic data breach, or other cyber attack. Any business that stores sensitive data in the cloud or electronically should consider this protection.

Workers Compensation

If an employee is injured or becomes ill on the job, this insurance covers payment of medical expenses or lost wages. It also protects your business from a potential lawsuit.

Surety and Fidelity Bonds

Surety bonds protect your business by reassuring customers they will receive your service as promised.  

Fidelity bonds protect your assets from fraud and theft.

Builder's Risk

This policy covers commercial or residential structures and equipment, while under construction.  It protects the builder from losses in the case of damaging winds, fire, theft or vandalism. Coverage is especially critical for Florida businesses given our vulnerability to inclement weather.

Condominium and Homeowner Associations

A Homeowner's Association policy may only cover the common areas. Condo Owner Association policies typically cover the structure of the building and common areas.  Contact us for help in taking the right steps to protect yourself and your investment.

Professional Liability (Errors and Omissions)

As a professional consultant, this policy protects your business from any negligent claims, work errors, undelivered services, and in some cases, unhappy clients. If a client files a civil suit against you, this may cover some or all of the damages. 

As independent insurance agents in Cape Coral, Florida, we offer insurance products for every chapter of your life. Ask us about multiple coverages within a single policy.

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