Business & Commercial Insurance

Almost every business benefits from a foundation of commercial general liability (CGL) — protection against third-party bodily injury, property damage and personal/advertising injury claims. Add commercial property coverage for your building, contents, inventory and equipment, and you've covered the two most common risks any small business faces.

From there we layer in coverages specific to your operation: business interruption to replace income after a covered loss, cyber liability for data breaches and ransomware, professional liability (E&O) for advice-based businesses, commercial auto for company vehicles, workers' compensation for employees, and commercial umbrella for higher liability limits.

• Retail and convenience stores
• Restaurants, cafés and food trucks
• Landscaping, lawn care and tree services
• Contractors — general, electrical, plumbing, HVAC, roofing
• Auto repair and detailing shops
• Salons, barbershops and personal services
• Trucking, hot shot and delivery operations
• Property managers, real estate, professional services
• Daycare, fitness studios, nonprofits

For most small-to-mid-size businesses, a BOP bundles general liability and commercial property into a single, discounted policy. It's a strong foundation that we can easily extend with the endorsements you need. We'll review your operations, leases, contracts and vendor requirements to make sure your certificates of insurance satisfy every party you do business with.

Florida construction businesses must carry workers' comp with even one employee; most non-construction industries are required at four or more employees. Sole proprietors can elect to be included or excluded. We work with carriers that offer pay-as-you-go billing and flexible class codes so cash flow stays predictable.