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- FL Agency License L016633
Business insurance
Restaurants, medical offices, law firms, churches, contractors, real estate offices and shopping centers all come to us for coverage. With access to more than 300 commercial insurance products, our team builds a program that fits how your business actually operates.
Get a business quoteCall (407) 898-1116
Want to send everything at once? Fill out the full application
The short answer
Most Florida small businesses need general liability, coverage for their building or equipment, and commercial auto if they drive for work. Workers’ compensation is required for construction businesses with one or more employees and most other businesses with four or more. Many small businesses can bundle liability and property into one business owner’s policy, which usually costs less than buying them separately.
A business owner’s policy, or BOP, packages general liability and commercial property together, often with business income coverage that replaces lost revenue if a covered loss forces you to close for a while. It’s a good fit for many offices, shops and restaurants. Larger or higher-risk operations usually need the coverages written separately, and we’ll tell you which approach fits.
Florida’s rules depend on your industry:
| Type of business | Workers’ comp required when you have |
|---|---|
| Construction | 1 or more employees, including owners in most cases |
| Most other businesses | 4 or more employees, full or part time |
| Agriculture | 6 or more regular employees, or 12 or more seasonal workers |
Our workers’ compensation page covers exemptions and how premiums are calculated.
Our commercial customers include restaurants and cafés, medical and dental offices, law firms, churches and ministries, real estate offices, contractors and trades, retail stores, strip malls and shopping centers, and larger companies with several locations. If your business doesn’t appear here, ask anyway. With more than 300 commercial products to choose from, there’s usually a fit.
We take the time to understand what your business does day to day, then shop several carriers for coverage that matches the real risks. Our team works in English and Spanish, handles certificates of insurance for your clients and landlords, and reviews your program at renewal as your business grows.
Tell us what your business does, how many employees you have and your annual revenue. Your current policy helps if you have one.
Want to send everything at once? The full application takes about 5 minutes.
Most need general liability and property coverage, often bundled in a business owner’s policy. Add commercial auto if you drive for work, workers’ compensation once you reach Florida’s employee threshold, and professional liability if clients rely on your advice or expertise.
No. General liability covers injuries to customers and other third parties. Injuries to your own employees are covered by workers’ compensation.
Yes. Landlords, general contractors and clients often ask for a certificate of insurance. Call or email us with who needs it and we’ll take care of it.
Yes. We write general liability, workers’ compensation, commercial auto, builders risk and contractor bonds for many trades.
