Commercial Insurance for Florida Businesses

It depends on your industry, payroll, revenue, location, property values, claims history and the limits you choose. Two businesses of the same size can pay very different amounts. The honest answer comes from a quote, and we'll compare several insurance companies to find a good fit. We'll also point out where a higher deductible, a bundled policy or a change in limits could save money without leaving a gap.

Most Florida businesses with employees do. In construction the requirement generally starts with your first employee, and in most other industries it generally starts at four employees. Ask us about your situation, since the rules for owners and subcontractors have their own details.

A BOP bundles general liability and commercial property into one policy, often with business income coverage included. It's usually a cost-effective starting point for small offices, shops and similar businesses.

If you store client information, take card payments or rely on email and computers to run the business, a breach or ransomware attack can be expensive. Cyber insurance helps pay for recovery, notification and related costs. We can show you what a policy would cover before you decide.

Directors and officers coverage protects board members and the organization if they're sued over decisions they made as a board. Many volunteers won't serve without it, and some grants or contracts may ask for it.

Once a policy is in place, we can usually issue certificates quickly. If a landlord, general contractor or client needs specific wording or additional insureds, send us their requirements and we'll get it right the first time.