Commercial Insurance
Protect your business with comprehensive coverage tailored to your industry. From general liability to commercial property, we'll help you find the right protection at competitive rates.
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Coverage That Grows With Your Business
Running a business means managing countless risks every day. Commercial insurance protects your business from the unexpected — liability claims, property damage, employee injuries, and business interruption. The right coverage lets you focus on growing your business instead of worrying about what could go wrong.
From general liability that covers customer injuries to commercial property that protects your building and equipment, we'll help you build a comprehensive protection strategy. Whether you're a contractor, restaurant owner, consultant, or retailer, having the right commercial insurance is essential for long-term success.
Essential Business Coverage Types
Commercial insurance isn't one-size-fits-all. Different businesses face different risks, and your coverage should match your specific operations. Here are the essential coverage types most Florida businesses need:
General Liability Insurance
- Customer bodily injury
- Property damage claims
- Advertising injury
- Product liability
- Legal defense costs
- Medical payments
Most Common Coverage
General liability is often required by landlords and clients. It's the foundation of most business insurance programs and protects against everyday risks.
Commercial Property Insurance
- Building coverage
- Business equipment
- Inventory protection
- Furniture and fixtures
- Business interruption
- Equipment breakdown
Protect Your Assets
Commercial property insurance covers your physical business assets — whether you own your building or lease space. Essential for any business with equipment, inventory, or improvements.
Important: Commercial insurance requirements vary by industry, business size, and specific operations. Many businesses need multiple coverage types working together. We'll help you build a comprehensive protection strategy tailored to your business.
Coverage Scenarios: When Your Business Insurance Responds
Customer Slip and Fall
A customer slips on a wet floor in your store and breaks their hip. General liability covers their medical bills, rehabilitation costs, and potential lawsuit — protecting your business from a claim that could reach six figures.
Property Damage at Job Site
Your contractor accidentally damages a client's expensive hardwood floors during a renovation. General liability covers the repair costs and any resulting claims — keeping your business relationships and finances intact.
Employee Gets Injured
A warehouse worker strains their back lifting boxes and needs surgery. Workers' compensation covers medical treatment, rehabilitation, and lost wages while they recover.
Forced to Close Temporarily
A hurricane forces your restaurant to close for three weeks. Business interruption coverage pays ongoing expenses like rent, payroll, and utilities while you're unable to operate.
Common questions about commercial insurance
What happens if an employee causes a car accident while working?
If an employee causes an accident while driving for business purposes, your commercial auto insurance covers it — not your personal auto policy. This includes delivery drivers, salespeople, or anyone using a vehicle for work. Coverage pays for vehicle repairs, medical bills for injured parties, and legal defense costs.
What's the difference between general liability and professional liability?
General liability covers bodily injury and property damage to third parties — like a customer slipping in your store. Professional liability (E&O) covers mistakes in your professional services — like giving bad advice that costs a client money. Many businesses need both types of coverage.
Do I need commercial insurance if I work from home?
Yes — your homeowners policy likely excludes business activities. If a client visits your home office and gets injured, or your business equipment is stolen, your home policy probably won't cover it. A business owners policy (BOP) or in-home business endorsement fills these gaps.
What is a Business Owners Policy (BOP)?
A BOP bundles general liability and commercial property insurance into one convenient, cost-effective package. It's designed for small to mid-sized businesses and often includes business interruption coverage. BOPs are typically less expensive than buying each coverage separately.
What happens if my business experiences a data breach?
Cyber liability insurance covers the costs of a data breach — customer notification, credit monitoring for affected individuals, legal defense, regulatory fines, and public relations expenses. Without coverage, a single breach can cost tens of thousands of dollars in required notifications and potential lawsuits.
Does my LLC or corporation protect me from needing business insurance?
Having an LLC or corporation provides some personal asset protection, but it doesn't eliminate the need for business insurance. Your business assets are still at risk, and the corporate veil can be pierced in certain situations. Insurance protects both your business and helps maintain your corporate protection.
Commercial insurance carriers we work with
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We compare rates from multiple commercial carriers to find the right coverage for your business at a competitive price. Protect your business with comprehensive commercial insurance.