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Commercial Insurance in Florida

Coverage That Works as Hard as You Do

Whether you run a small shop, a busy restaurant, or manage commercial property, the right insurance helps you stay focused on business. We provide commercial insurance solutions to protect your business from the unexpected — across Florida. Our team works directly with you to find the policies that match your industry, property, and risk level.

Explore Our Commercial Insurance Options

We help Florida business owners find the protection they need to stay open, stay covered, and stay confident. Here are our most requested commercial insurance solutions:

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General Liability Insurance

Covers bodily injury, property damage, and legal fees if someone gets hurt or sues your business. Popular for contractors, offices, and customer-facing businesses.

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Commercial Property Insurance

Protects buildings, inventory, tools, and equipment from fire, theft, and other covered losses. Ideal for business owners with physical storefronts, warehouses, or rental properties.

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Business Owners Policy (BOP)

Combines general liability and commercial property into one affordable package.

 Best for small to mid-size businesses that need broad protection in one policy.

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Equipment Insurance

Covers the cost to repair or replace essential business equipment, from tools to tech. Great for trades, salons, restaurants, and any business that relies on gear.

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Event Insurance

Short-term coverage for weddings, expos, private parties, or public events. Covers event cancellation, liability, and property damage.

Why Florida Businesses Work with Us

01

Local & Licensed

We know what Florida business owners face—from coastal storms to tenant claims—and we’re licensed to help across the state.

02

Fast, Personalized Help

We’ll explain your options clearly and help you find the right fit—without upselling or call center delays.

03

One Team, Many Carriers

As an independent agency, we shop with top-rated insurance providers to find strong, affordable protection for your business.

Commercial Insurance FAQs

  • Do I need general liability insurance in Florida?

    Yes—if you work with customers, clients, or the public in any way, general liability protects your business from legal and injury claims.

  • What does a BOP include?

    A BOP combines general liability and commercial property insurance into one plan. It’s a great fit for most small businesses in Florida.

  • Does commercial property insurance cover flood damage?

    Not usually. You’ll need a separate flood policy to cover damage from rising water or storms.

  • Can I cover tools and equipment I take off-site?

    Yes, with equipment coverage or an inland marine policy, depending on your setup.

  • Is event insurance required in Florida?

    Sometimes. Many venues require it—and it’s a smart way to protect yourself from liability or cancellation costs.

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Let’s Build a Better Commercial Insurance Plan

We’re here to help your business stay protected and moving forward—whether you’re just starting out or growing fast. Contact us today for a custom quote.