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Commercial Property


When it comes to protecting your business, commercial insurance is a critical component. It provides financial protection against the unexpected, such as property damage, liability claims, and lost income.

At our financial services firm, we understand the unique needs of business owners, and we're dedicated to helping you find the right coverage for your company. We offer a wide range of commercial insurance options, including:

  • Property insurance: Protects your buildings, equipment, and inventory from damage or loss due to events such as fire, theft, and natural disasters.
  • Liability insurance: Covers the cost of legal defense and damages if you or your employees are found responsible for causing injury or property damage to someone else.
  • Business interruption insurance: Helps cover lost income if your business is forced to close temporarily due to a covered event.
  • Commercial auto insurance: Provides coverage for vehicles owned or used by your business, including coverage for damage, liability, and medical expenses.
  • Workers' compensation insurance: Helps cover the cost of medical care and lost wages for employees who are injured or become ill as a result of their job.

At our firm, our insurance experts will work with you to understand your business and tailor a solution that fits your needs, budget and goals . Whether you're looking for basic coverage or more specialized options, we can help you find the right commercial insurance policy for your business.

Don't leave your business exposed to the financial risk of unexpected events. Contact us today to learn more about how we can help protect your business with the right commercial insurance coverage.

Commercial Auto

As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.

While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.


General Liability

If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.

Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.

General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.

Broad Range of General Liability Protection


There is a broad range of General Liability Protection that is available to a business owner. Schedule an appointment with one our team members so we can audit your current insurance and future needs. Here are just a few of the options that are available to a business owner:

Bodily Injury. Bodily injury includes the cost of care, the loss of services, and the restitution for any death that results from injury

Property Damage. coverage for the physical damage to property of others or the loss of use of that property

Liability Protection. Products-Completed Operations provides liability protection (damages and legal expenses up to your policy's limit) if an injury ever resulted from something your company made or service your company provided

Product Liability. Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents

Contractural. Liability extends to any liability you may assume by entering into a variety of contracts

Other. Coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types

Workers Compensation

Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.

Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.

In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.

Florida Workers Compensation Insurance

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Business & Commercial Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Request General Liability Certificate Of Insurance

Thank you for your interest in Jaffe Tilchin Insurance Services. If you would like to speak to one of our insurance professionals call our office at 813.960.5293 or toll free at 866.218.7906. You can also email your questions and one of our agents will be happy to answer within one business day.

Protecting businesses and employees in: Carrollwood, Temple Terrace, Lake Magdalene, Brandon, Town n Country, Citrus Park, Northdale, Seffner, Thonotosassa, Riverview, Lutz, Gandy, Westchase, Keystone, Feather Sound, Valrico, Oldsmar, Lutz, Odessa, Clearwater, St. Petersburg, Palm Harbor, Safety Harbor, New Tampa, Tampa Palms

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