Commercial Insurance Built Around Your Business

Most small businesses start with general liability insurance — it's the coverage landlords, clients, and contracts most often require. From there, add commercial property insurance (or a Business Owners Policy) if you have a location, equipment, or inventory; commercial auto if the business owns or uses vehicles; workers' compensation once you meet Florida's employee thresholds; and professional liability if you provide services or advice. We'll walk through your operations and build the right mix without over-insuring you.

A BOP bundles general liability and commercial property insurance — and often business interruption coverage — into a single policy designed for small and mid-sized businesses. It's usually less expensive than buying those coverages separately, and it simplifies renewals and billing. Not every business qualifies, so we'll compare a BOP against standalone policies to see which comes out ahead.

It depends on your industry and headcount. In Florida, construction businesses generally need workers' comp with one or more employees (including owners in many cases), non-construction businesses with four or more employees, and agricultural employers under separate thresholds. The rules have important nuances around corporate officers and exemptions, so we'll confirm exactly what applies to your business before you buy.

General liability covers third-party bodily injury and property damage — a customer slipping in your shop or your crew damaging a client's property. Professional liability (errors & omissions) covers financial harm caused by your professional services or advice — a missed deadline, a design error, or a recommendation that costs a client money. Many service businesses need both.

It varies widely by industry, revenue, payroll, location, and claims history. As a rough guide, general liability for a small, low-risk business often runs $400–$900 per year, and a BOP typically runs $600–$1,500. Higher-risk trades, commercial vehicles, and workers' comp payroll drive premiums up. Because we're independent, we compare quotes from multiple carriers so you see the real market rate — not one company's price.

Captive agents can only sell one carrier's products. As an independent agency, we shop your business across multiple insurance carriers, compare coverage and pricing side by side, and re-shop at renewal if your premium creeps up. You get one point of contact for all of your business policies — and an advocate when you have a claim.