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Commercial insurance coverage in Florida

What each business policy covers, who needs it, and what Florida rules say. Tell us what applies to you and we will shop the carriers and recommend the best fit.

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General Liability Insurance

What it covers

  • Customer injuries at your location or job site
  • Damage you cause to someone else's property
  • Advertising injury such as libel or copyright claims
  • Legal defense costs, even for claims without merit

Who needs it

  • Any business that meets customers or works at their property
  • Tenants whose lease requires it
  • Contractors and vendors asked for a certificate

Florida note. Florida-licensed contractors must show proof of liability coverage to the state licensing board, and most commercial leases in Orlando require it.

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Business Owner's Policy (BOP)

What it covers

  • General liability
  • Commercial property: building, equipment, inventory
  • Business income if a covered loss shuts you down

Who needs it

  • Small and mid-size offices, shops and restaurants
  • Businesses that want one policy and one bill

Florida note. Ask how the policy handles windstorm and hurricane deductibles. Flood is not included and needs its own policy.

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Workers' Compensation Insurance

What it covers

  • Medical bills for job-related injuries and illness
  • A portion of lost wages while an employee recovers
  • Employer's liability if an employee sues

Who needs it

  • Construction businesses with 1 or more employees
  • Non-construction businesses with 4 or more employees
  • Agricultural businesses with 6 regular or 12 seasonal workers

Florida note. These are Florida's thresholds under Chapter 440. Corporate officers may qualify for an exemption through the Florida Division of Workers' Compensation.

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Commercial Auto Insurance

What it covers

  • Liability for accidents in business vehicles
  • Physical damage to your trucks, vans and cars
  • Hired and non-owned auto (HNOA) when employees drive their own cars for work

Who needs it

  • Contractors, delivery and service businesses
  • Any business that owns or leases a vehicle
  • Businesses whose staff run errands in personal cars

Florida note. Florida requires personal injury protection and property damage liability on registered vehicles. Heavier commercial vehicles carry higher minimums.

Quote commercial auto

Commercial Property Insurance

What it covers

  • Your building, if you own it
  • Equipment, furniture and inventory
  • Improvements you made to a leased space

Who needs it

  • Owners of commercial buildings
  • Tenants with equipment, stock or a build-out

Florida note. Carriers look closely at roof age and wind mitigation. We explain named-storm deductibles before you buy.

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Professional Liability (E&O) Insurance

What it covers

  • Claims that your advice or service caused a client a financial loss
  • Missed deadlines and mistakes in your work
  • Defense costs for those claims

Who needs it

  • Consultants, accountants, real estate and IT professionals
  • Agencies, designers and other service firms

Florida note. Many client contracts in Florida require E&O with a set limit. Send us the contract and we will match it.

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Contractor Insurance

What it covers

  • General liability for licensing and job sites
  • Tools and equipment (inland marine)
  • Builder's risk for projects under construction
  • Workers' comp and commercial auto

Who needs it

  • General contractors and subcontractors
  • Roofers, electricians, plumbers, HVAC, painters, landscapers

Florida note. GCs usually require certificates naming them as additional insured. We set that up and send the certificates.

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Cyber Liability Insurance

What it covers

  • Data breach response and notification costs
  • Ransomware and business interruption
  • Funds lost to fraudulent payment instructions, where included

Who needs it

  • Any business that stores customer data
  • Businesses that take card payments or send invoices by email

Florida note. Florida's data breach law sets notification rules for businesses that hold personal information. A cyber policy helps pay for that response.

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Commercial Umbrella Insurance

Umbrella with a check mark, representing extra liability protection

What it covers

  • Extra liability limits above general liability, auto and employer's liability

Who needs it

  • Businesses with contracts requiring higher limits
  • Businesses with vehicles or heavy customer traffic

Florida note. Often the least expensive way to meet a $2M or higher contract requirement.

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