Orlandobusiness insurance,made simple.
Serving All of FloridaCommercial insurance for Orlando and Florida businesses. We shop the carriers and find your best fit.
An independent agency in the Orlando area
We shop Florida's carriers, recommend the one policy that fits your business, and stay with you after it's in place. The goal is simple: peace of mind while you run the business.
Local AgencyTailored PolicyPeace of MindHow it works
Business insurance feels complicated because it is.
Dense policies, different questions from every carrier, and a landlord who wants a certificate by Friday. Here is how we take that off your plate.
.svg)
Get a quote
Tell us what your business does, who works for you, and the coverage you're looking for.
.svg)
We shop and recommend
We review your business, shop several carriers and recommend the one that fits you best.
You get peace of mind
Coverage goes in place, certificates go out, and we stay with you as the business grows.
Coverage Florida businesses ask for most
Start with what your lease, your contracts or Florida law requires. We fill in the rest.
General LiabilityCustomers, landlords and clients ask for it first.Most requested
Business Owner's PolicyLiability, property and lost income in one policy.Small business
Workers' CompensationRequired for most Florida employers with staff.Required in FL
Commercial AutoWork trucks, vans, and staff driving their own cars.Vehicles
Commercial PropertyYour building, equipment and inventory, wind included.Buildings
Professional LiabilityWhen a client says your advice cost them money.E&O
Contractor InsuranceLicensing, tools, job sites and GC certificates.Trades
Cyber LiabilityBreaches, ransomware and hacked invoices.Data
Built around the work you do
We insure contractors and trades, restaurants and food trucks, retail shops, professional offices, landlords and property managers, delivery fleets, event venues and salons and gyms across Florida.
Not on the list? Most small businesses fit one of these. See all industries.
Orlando, FL
28.54° N, 81.38° WDeft is based in the Orlando area and works with businesses across Orange, Seminole, Osceola and Lake counties, and statewide. We know what Florida carriers ask about roofs, wind and payroll, and what local landlords and GCs expect on a certificate.
Downtown Orlando, Lake Nona, Winter Park, Apopka, Kissimmee, Sanford, Lake Mary, Altamonte Springs, Oviedo, Winter Garden, Clermont.
Questions Florida business owners ask
How much does business insurance cost in Orlando?
It depends on your industry, payroll, revenue, location, claims history and limits. A small office pays far less than a roofing company. The fastest way to a real number is a quote: we shop several carriers and recommend the one that fits you best.
Is business insurance required in Florida?
Some of it is. Florida requires workers' comp for construction businesses with 1 or more employees and most other businesses with 4 or more. Vehicles need auto coverage, and contractor licenses require proof of liability insurance. Leases and contracts usually require general liability too.
What insurance does a small business need in Florida?
Most start with general liability or a business owner's policy, then add workers' comp when they hire, commercial auto if they drive for work, and professional or cyber coverage depending on what they do.
How do I get a certificate of insurance?
Once your policy is in place, tell us who needs the certificate and any wording they require, such as additional insured. We issue it and send it to you or straight to your landlord, GC or client.
Do you still offer home and auto insurance?
Yes. Business insurance is our focus, and we still shop home, auto, renters and condo coverage, often for the same business owners.
Ready when you are
Let's get your business covered.
Tell us what you do and when you need coverage. We'll shop Florida's carriers and come back with the one policy that fits.
