Business with no license will their insurance still cover them?

Here in Florida not all counties require you to have a business license. I am an agent and I mostly deal with Clay County and you do not have to have an occupational license and if you get insurance it would cover you for what ever the policy is written for. Now in Duval County you do have to have an occupational license. This is a question that is asked on every application and if the owner of the business signs the app stating that they have a license and they do not that is misrepresentation which is a felony and yes a claim could be denied.

Unless there is a 'warrant' regarding the license, they will pay.

A warrant is a provision in a policy that automatically voids coverage, if you do or don't do the specified thing. For example, if you have medical malpractice coverage, there might be a warrant (condition) that you have a license to practice medicine in your state. If your license gets revoked, the medical malpractice coverage is automatically suspended - even if you didn't tell the insurance that your license got revoked.

What type of license? Many businesses do not require any sort of licensing.

In general, though, if a company insures somebody, and accepts their premium, they owe them coverage.

have you ever get carry of your FoodSafe classes for vendors? business enterprise plan? check out the kitchens once you talk to the well being inspector. He desires to be attentive to what you will make and their unfavorable factors. Get as plenty coverage as you are able to - I had $4million funds criminal duty coverage to make certain i did no longer lose my business enterprise because of the fact some moron left the cake out in the rain! you are able to insure something which you would be able to swap if it gets broken or stolen or catches fireplace. The church will decide on a coverage rider from you. There are hoops to bounce by. sturdy luck.... will you have the skill to get clean foodstuff from close by farmers for many of your twelve months. Will all your human beings promise to apply your facilities a minimum of as quickly as a month to maintain you in business enterprise. you like an promoting software, menus, brochures, etc. this could be on your business enterprise plan with particular drawings. What are you going to serve... are you distinctive than each and all the the remainder of the cafes/diners/ eateries on an identical highway? Will you lose your domicile if this business enterprise fails!?!

What kind of insurance? If you are talking about health insurance it won't matter.