Commercial Insurance

Protect the Business You’ve Worked Hard to Build

To create a thriving business, you must first establish a strong foundation and protect it. Commercial insurance is designed to protect a business when the unexpected occurs. This type of insurance protects your business financially and legally in the event of property damage, theft, employee injuries and injuries to others that occur on your property. At Hillegass, Wilson and Cowan, Inc., our certified insurance agents can create a customized insurance plan that includes only the coverage you need, without the extra cost of coverage you don’t. We serve businesses of all sizes in Jacksonville Beach, FL, and surrounding areas. Contact us today to schedule a consultation and get a free quote.

Types of Commercial Insurance Coverage

Just like your home, life and auto insurance, commercial insurance is not a one-size-fits-all proposition. Your insurance policy is designed to address your unique needs. There are several types of insurance beneath the umbrella of commercial insurance.

Property Insurance

Property insurance covers the physical property that belongs to your business. This includes your building or office space, assets like computers and electronics, equipment and inventory. If you have specialized machinery, we can ensure that your commercial insurance policy covers these expensive assets in the event of a loss. Property insurance traditionally covers losses resulting from fire, wind, theft or vandalism. Almost all businesses we serve in Jacksonville Beach require property insurance.

Liability Insurance

Liability insurance, sometimes called general business liability, protects your business if a person is injured or their property is damaged through the fault of your business or employees. There are a few divisions of commercial liability insurance: premises liability, product liability, data and cyber liability and employment practices liability. Premises and product liability insurance protect your business if someone is injured on your business premises or because of your product. As its name infers, data and cyber liability policies protect you if your clients or others are injured because of a data breach in your system. Employment practices liability provides security against claims from former employees regarding your business practices.


A business owner’s policy (BOP) is a common name for a combination of property and liability insurance. By packaging together all your commercial liability needs into a BOP, we can find great rates and keep your operations safe so you can thrive.

Workers Compensation

Workers compensation is not always included under the umbrella of commercial insurance. It is, however, an integral part of your business protection plan if you have employees. Additionally, its required for nearly all businesses in Jacksonville Beach. Workers compensation insurance provides financial aid to an employee for medical expenses and time off work should an accident happen.

We Want to Keep You Protected

The certified insurance agents at Hillegass, Wilson and Cowan, Inc., pride themselves on integrity and creating personalized insurance plans for our clients. When it comes to working with a local insurance agent in Jacksonville Beach, FL, you enjoy the benefit of our one-on-one attention, fast quotes and assistance in the event of a claim. Contact our offices about commercial insurance and schedule a complimentary consultation about your business.