FLORIDA/TEXAS—This time of the year, all businesses, be it small or large operations, in Florida, Texas, or across the country, have a lot at stake when it comes to making their annual financial goals. Business goals are an essential part of establishing priorities and setting your company up for success over a set period of time. That means, we all put our complete effort, creativity and in most cases, our investments at work to support it.

Setting business goals is important. The following are some of the reasons why we work so hard to achieve them:

• They provide a way to measure success.
• They help keep all employees well informed as to what their individual role is within the company’s goals.
• Give employees a clear understanding of how decision-making reaches the company's goals.
• Keep us on-track in the right direction.

In the middle of the process we find ourselves setting short-term goals, which will help us regularly measure the progress and make sure we stay on track by either continue, reinforce or make adjustments in our objectives.

Commercial insurance plays an important role in keeping your business on the right track. Your business has a lot of physical assets. Your building and its contents, like your entire on-site inventory. Any outdoor fixtures like signs or fences. Stuff that can be damaged – which means you need to protect it.

Commercial property insurance varies, for example; basic property insurance usually covers losses caused by fires or explosions, theft, vandalism and damage from vehicles or airplanes. Additional coverage referred to as “endorsements” can be added to provide additional protection for things such as earthquakes and broken glass. 

The key items insured in business property insurance include your building, office equipment, inventory and outdoor items on the premises.

To help you determine what property you want to insure, what its replacement value would be, and if it’s worth insuring you should take an inventory to have available to discuss with your agent.

What should be included in your inventory?

• The building that houses your business (If you lease or rent your space and are obligated to insure the building you occupy, there's coverage for you too) 
• All office equipment, including computers, phone systems and furniture, whether they’re owned or leased
• Accounting records and important company documents
• Manufacturing or processing equipment
• Inventory kept in stock
• Fence and landscaping
• Signs and satellite dishes

Another insurance option you must keep an eye on is the coverage for your commercial vehicles. If your business involves pick-up, delivery, or any other kind of services that may require you or your employees to be on the road performing a commercial task on a vehicle must be protected. Those in Texas, might find the roads more challenging during the winter season.

At Garzor Insurance we care about your business and we offer insurance coverage from over 20 insurance carriers. Our experienced professionals are dedicated to providing commercial insurance in Florida as well as Texas, and now many other states across the U.S. If you also have questions about truck or other commercial vehicles insurance, or any other business insurance aspects, please do not hesitate to visit us online at Garzor Insurance, or you may want to call us directly at (321) 206-8035. 

Luis Zorrilla

Licensed Insurance Agent