WORKERS COMP The Workers' compensation policy provides for the payment of benefits and/or damages for which an employer becomes legally liable as defined by the Florida Workers' Compensation State Law. PROPERTY INSURANCE This coverage protects you against financial loss resulting from direct damage to your buildings, your business personal property, personal property of others and betterments you have installed in property you rent from others caused by a covered cause of loss. Business income coverage will reimburse you for your loss of income when your business is forced to shut down either totally or partially due to a covered loss. LIABILITY Liability Insurance is needed by businesses as they are apt to be held "Legally Liable" or "Legally Obligated" to pay damages to another person. Commercial General Liability Insurance provides protection against the exposures that characteristically go hand in hand with operating a business. It covers the risk of loss to others arising out of the policyholder's negligent act.