Commercial insurance for Florida businesses

General Liability

Protection against third-party bodily injury, property damage, and personal and advertising injury claims arising from your operations.

Commercial general liability is the foundation of nearly every business insurance program. It responds when a third party alleges that your operations, your premises, or your completed work caused bodily injury or property damage, and it funds the legal defense that follows even when the allegation is groundless.

What it typically responds to

• Bodily injury to third parties
• Third-party property damage
• Products and completed operations
• Personal and advertising injury
• Legal defense costs
• Medical payments

Workers' Compensation

Statutory coverage for employee medical treatment, lost wages, and rehabilitation after a work-related injury or illness.

Workers' compensation pays for medical treatment and replaces a portion of lost wages when an employee is injured on the job, and in exchange it generally shields the employer from being sued in tort by that employee. In Florida the coverage requirement depends on your industry and headcount, and construction operations face the strictest thresholds.

What it typically responds to

• Medical treatment
• Wage replacement
• Rehabilitation
• Death and dependency benefits
• Employers liability
• Claims administration

Commercial Auto

Liability and physical damage coverage for owned, hired, and non-owned vehicles used in your business operations.

Any vehicle used for business purposes belongs on a commercial auto policy. Personal auto forms contain business-use exclusions that surface at exactly the wrong moment, and a single at-fault accident involving a work truck can generate a liability claim far larger than the vehicle's value.

What it typically responds to

• Auto liability
• Physical damage
• Hired and non-owned auto
• Uninsured and underinsured motorists
• Medical payments and PIP
• Towing, rental, and downtime

Commercial Property

Coverage for buildings, business personal property, tenant improvements, and the income you lose while damage is repaired.

Commercial property insurance protects the physical assets your operation depends on: the building you own or improve, the equipment and inventory inside it, and the revenue those assets produce. In Florida the analysis cannot stop at the building limit, because wind deductibles, named-storm provisions, and flood exclusions determine what you actually recover after a catastrophe.

What it typically responds to

• Buildings and structures
• Business personal property
• Tenant improvements and betterments
• Business income and extra expense
• Equipment breakdown
• Wind, hail, and named storm

Inland Marine

Coverage for mobile equipment, tools, property in transit, installation work, and other property that moves or sits away from your premises.

Inland marine is the branch of property insurance that covers things that move. It descends from ocean marine coverage written for cargo at sea, and it now handles the property a commercial property policy leaves behind the moment that property leaves your building: excavators on a job site, tools in a truck, materials in transit, and equipment installed at a customer's location.

What it typically responds to

• Contractors equipment
• Tools and small equipment
• Installation floater
• Builders risk
• Motor truck cargo
• Property in transit and off-premises

Surety Bonds

Three-party guarantees that you will perform an obligation, including bid, performance, payment, and license and permit bonds.

A surety bond is not insurance in the ordinary sense. Insurance transfers risk from you to a carrier; a bond guarantees to a third party, the obligee, that you will fulfill an obligation, and if the surety pays a claim it has the right to recover that money from you. Understanding that distinction changes how you approach the underwriting conversation.

What it typically responds to

• Bid bonds
• Performance bonds
• Payment bonds
• License and permit bonds
• Maintenance and warranty bonds
• Fidelity and ERISA bonds