Commercial Insurance for Florida Businesses

Commercial General Liability Insurance

Commercial General Liability insurance can help protect your business from certain covered claims involving bodily injury, property damage, and other liabilities arising from your operations.

This coverage may be important when customers visit your location, employees perform work at customer properties, or your business activities create potential third-party liability.

Commercial Property Insurance

Commercial Property insurance can help protect covered business property against certain causes of loss.

Depending on the policy, coverage may apply to: Buildings, Office furniture, Equipment, Inventory, Business personal property, Certain improvements, Other covered business assets. 

Your property values, location, building characteristics, equipment, and business operations can all affect the coverage needed.

Business Owners Policy (BOP)

A Business Owners Policy, commonly called a BOP, may combine commonly needed property and liability coverage into one policy for eligible businesses.

A BOP can be useful for some small and midsize businesses, but it does not automatically include every type of commercial insurance.

Our agents can help you determine whether a BOP or separate commercial policies better fit your operation.

Commercial Auto Insurance

If your business owns vehicles or regularly uses vehicles for business purposes, Commercial Auto insurance may be needed.

Coverage can vary based on: Vehicle ownership, Vehicle type, Business use, Drivers, Distance traveled, Goods or equipment transported, Number of vehicles

Businesses that deliver products, visit customers, transport equipment, make service calls, or operate company vehicles should review their commercial auto needs carefully.

If you need coverage for a personal-use vehicle, visit our Automobile Insurance page.

Workers’ Compensation Insurance

Workers’ Compensation insurance can provide benefits for employees who experience qualifying work-related injuries or illnesses.

Florida requirements can vary depending on the type of business, number of employees, business structure, and applicable exemptions.

If you have employees or use subcontractors, our team can help you review your situation and discuss available workers’ compensation coverage.

Commercial Umbrella Insurance

Commercial Umbrella insurance may provide additional liability protection above certain underlying commercial liability policies.

Businesses with significant customer interaction, contracts, vehicles, property exposures, or higher liability requirements may want to consider whether additional liability protection is appropriate.

Liquor Liability Insurance

Businesses that sell, serve, distribute, or provide alcoholic beverages may have liability exposures that require specialized coverage.

Liquor Liability insurance may be appropriate depending on your business operations and policy requirements.

Products Liability Insurance

Businesses that manufacture, distribute, sell, or supply products may face claims alleging that a product caused bodily injury or property damage.

Products Liability coverage can help address certain covered claims associated with products sold or supplied by the business.

Special Event Insurance

Businesses and organizations holding events may be required to provide proof of liability insurance by a venue, property owner, municipality, vendor, or other party.

Available Special Event insurance depends on the type of event, location, activities, attendance, and other underwriting factors.

Do You Have Insurance Requirements in a Contract or Lease?

A lease, client agreement, construction contract, loan document, vendor agreement, or other business contract may require specific types and amounts of insurance.

Requirements can include:

• General Liability limits
• Commercial Auto coverage
• Workers’ Compensation
• Commercial Umbrella or Excess Liability
• Additional insured status
• Waiver of subrogation
• Primary and noncontributory wording
• Specific policy limits
• Certificates of Insurance
• Property insurance requirements

Does Your Business Need Commercial Auto Insurance?

Commercial auto coverage should be reviewed when vehicles are owned or regularly used for business activities.

This may include businesses that use vehicles to:

• Deliver products
• Visit customers
• Transport tools or equipment
• Travel between jobsites
• Carry employees
• Perform service calls
• Transport goods
• Operate trucks or specialized vehicles

Personal automobile insurance may not provide the same protection for vehicles used primarily for business.

Tell our agents how your vehicles are owned and used so we can help you review appropriate commercial coverage options.