Coverage built for the way Florida businesses actually operate. From solo operators and contractors to multi-location operations.
Most Florida businesses need a combination of these coverages, often packaged into a Business Owner’s Policy (BOP) or a more customized commercial program.
Florida requires workers’ comp at four or more employees in most industries — but only one employee in construction. Misclassifying employees as independent contractors to avoid coverage is one of the most common and most expensive mistakes Florida business owners make.
Florida businesses face a category of risk most other states don’t: a single storm can shut down operations for days or weeks. Business interruption coverage isn’t optional in Florida — it’s the difference between recovering and closing for good.
Many Florida commercial leases, vendor contracts, and client agreements require specific coverage limits, additional insureds, and waivers of subrogation. Getting your COIs wrong can cost you contracts.
Construction, healthcare, transportation, hospitality, and professional services each have their own Florida-specific licensing, bonding, and insurance requirements. Generic business policies often don’t meet them.
Commercial insurance pricing varies wildly between carriers based on industry. We shop a network of commercial markets to find your best fit.
We work with contractors, retail, professional services, restaurants, transportation, and more — each with its own coverage profile.
Many Florida businesses can save significantly by packaging multiple coverages with the same carrier. We model the options.
We re-shop your business insurance at renewal — and fight for fair pricing when carriers try to push through unjustified increases.
Two minutes to start. No obligation. Top-rated carriers compared in one call.