Commercial Insurance Solutions — Protecting Florida Businesses & Contractors

It depends on your business type, but generally most businesses need General Liability (for lawsuits/injuries), and if you have property or equipment, Commercial Property insurance. If you have employees, Florida usually requires Workers’ Comp (if you have 4+ employees for most industries, or any employees in construction). Many small businesses opt for a Business Owner’s Policy which packages liability and property together. We can advise exactly what you need based on your specific business.

Costs vary widely by industry and coverage. A sole proprietor might pay a few hundred dollars a year for basic coverage, whereas a larger business or one in a high-risk industry (like roofing) could pay tens of thousands. Factors include your business’s revenue, number of employees, location, claims history, and coverage limits. We’ll shop multiple carriers to get you a competitive price.

Many contractors need surety bonds (like license bonds) and should carry both general liability and commercial auto. If you have employees, workers’ comp is a must. Also consider Inland Marine insurance for tools/equipment and an Umbrella policy if you work on large projects that require higher liability limits. We have a lot of contractor clients and can get you set up with all the necessary coverage and bonds.

Yes. A Business Owner’s Policy (BOP) combines general liability and property into one package, which is convenient and often cheaper for small to mid-sized businesses. You can often add endorsements to cover things like equipment breakdown or employment practices liability. We’ll let you know if your business qualifies for a BOP and if it’s the right choice.

Certain insurance is mandated: for example, Workers’ Comp is required for many businesses once you reach a certain number of employees (and for construction, it’s required even with one employee). Auto insurance is required for any business-owned vehicles, just like personal autos. There’s no law requiring general liability or property insurance for all businesses, but if you rent a commercial space or work as a contractor, clients or landlords will likely require it. We’ll help ensure you meet any legal or contractual insurance requirements for your business.