Commercial insurance for Florida businesses
We place commercial coverage for businesses across Florida. Our deepest experience is in hospitality and real estate, but the coverage types below apply to most commercial accounts.
Get a quoteOur specialties
These are the industries we know best. Each has risks a general policy tends to miss.
Coverage we place
A look at the core commercial coverage types. Every business is different, so this is a starting point, not a full list.
General liability
Covers claims when someone outside your business gets hurt or their property gets damaged because of your operations.
Commercial property
Covers your building, equipment, and inventory, along with lost income if a covered loss shuts you down for a while.
Workers' compensation
Covers medical costs and lost wages for an employee who gets hurt on the job.
Commercial auto
Covers vehicles your business owns or uses, including delivery vans and shuttle vehicles.
Liquor liability
Covers claims tied to serving alcohol. Landlords and lenders often require it for any venue that pours drinks.
Umbrella and excess liability
Adds extra liability limits on top of your other policies, for claims that go beyond what those policies cover.
Flood and windstorm
Covers named storm and flood damage. In Florida, this is usually a separate policy from standard property coverage.