Business Insurance Built to Protect What You've Built.

Running a business in Florida comes with real risks, from customer injuries and property damage to storms and lawsuits. As an independent agency, we compare coverage across more than 25 top-rated carriers to build a package that fits your industry, your budget and your contracts.

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Coverage Built Around Your Business

Every business is different. Here are the main types of commercial coverage we help Florida business owners put in place.

General Liability

Protection from everyday accidents.

Covers third-party bodily injury and property damage claims.
Includes personal and advertising injury, like libel or slander.
Pays legal defense costs, even if a claim is groundless.
Often required by landlords and client contracts.

Best for: Nearly every business that works with customers, vendors or the public.

Commercial Property

Protects the space and things you own.

Covers your building, equipment, inventory, furniture and fixtures.
Protects against fire, theft, vandalism and certain weather events.
Can include business income coverage if you have to temporarily close.
In Florida, windstorm and flood may need separate coverage or deductibles.

Best for: Businesses that own or lease a location or keep valuable equipment and inventory.

Business Owner's Policy (BOP)

Liability and property, bundled.

Combines general liability and commercial property in one policy.
Usually includes business interruption coverage.
Often costs less than buying each coverage separately.
Designed for small to mid-sized businesses.

Best for: Shops, offices and restaurants that want simple, affordable protection.

Workers' Compensation

Care for your team when they're hurt on the job.

Covers medical bills and lost wages for employees injured at work.
Helps protect your business from employee injury lawsuits.
Required in Florida for most businesses with 4 or more employees.
Construction businesses need it with just 1 employee.

Best for: Any business with employees, especially contractors and the trades.

Commercial Auto

Coverage for the vehicles that keep you moving.

Covers vehicles owned or used by your business.
Includes liability, collision and comprehensive options.
Personal auto policies often exclude business use.
Hired and non-owned coverage protects you when employees drive their own cars for work.

Best for: Contractors, delivery services and any business with company vehicles.

Professional Liability (E&O)

When your advice or service is questioned.

Covers claims of negligence, mistakes or failure to deliver a professional service.
Pays legal defense costs and settlements.
Often required by client contracts or licensing boards.

Best for: Consultants, real estate agents, accountants, IT firms and other service providers.

Cyber Liability

Help after a data breach or cyber attack.

Covers the costs of a data breach, including customer notification and credit monitoring.
Helps with ransomware, data recovery and business downtime.
Can help with legal costs that follow a breach.

Best for: Any business that stores customer data, takes card payments or relies on computers.

Commercial Umbrella

Extra limits above your other policies.

Adds liability coverage on top of general liability, commercial auto and employer's liability.
Kicks in when a large claim exceeds your underlying limits.
An affordable way to protect against catastrophic lawsuits.

Best for: Businesses with higher risk or contracts that require higher limits.

Quick Comparison

A side-by-side look at what each coverage protects and when it's typically required.

Quick comparison of business insurance coverage types
Coverage	What It Protects	Required?	Common For
General Liability	Injuries and property damage to others	Often	Almost every business
Commercial Property	Your building, equipment and inventory	Often	Businesses with a location
Business Owner's Policy	Liability, property and business income	No	Small businesses
Workers' Compensation	Employee injuries and lost wages	Yes	Businesses with employees
Commercial Auto	Business vehicles and drivers	Yes	Businesses with vehicles
Professional Liability	Mistakes in your services or advice	Sometimes	Service providers
Cyber Liability	Data breaches and cyber attacks	No	Businesses handling data
Commercial Umbrella	Extra liability limits	Sometimes	Higher-risk businesses

"Often" and "Sometimes" mean the coverage is commonly required by landlords, lenders, client contracts or licensing boards. Requirements vary by business, so we'll review yours with you.

Industries We Work With

From one-truck contractors to multi-location storefronts, we help all kinds of Florida businesses get the right coverage.

Contractors & Trades
Restaurants & Food Service
Retail Stores
Offices & Professional Services
Real Estate & Landlords
Medical & Wellness
Landscaping & Lawn Care
Auto Repair & Dealers
Cleaning & Janitorial
HOAs & Condo Associations
Salons & Spas
Trucking & Transportation

Don't see your industry? We work with many more.

Ready to Protect Your Business?

Tell us about your business and we'll compare coverage options for you.