Small Business Insurance in Florida

This insurance helps protect your business if an employee gets hurt, contracts an illness, or dies at work. It can cover medical costs, legal fees, and lost wages from the injury. We offer tailored workers’ comp in Florida to suit your business.

Also known as commercial liability insurance, general liability insurance is critical for a small business in Florida. It covers damages and legal costs associated with injury claims to customers and other people who don’t work for you, damage your business causes to other people's property, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. Plus, you can add endorsements to customize your policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability. General liability insurance for a small business in Florida is essential—so, it should be one of the first policies you learn about and buy.

Also called property & liability insurance, a business owners policy (or BOP for short) combines general liability insurance with coverage for your company’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running after suffering property damage—including from incidents like hurricanes or sinkholes—like using a temporary location. You can also tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

Also called errors and omissions (E&O) insurance, this policy could protect you from the cost of damages and legal fees if someone claims your professional service harmed them or their business financially. Coverage includes both mistakes by your business (errors) and failing to perform a service (omissions). Professional liability insurance should be part of your financial protection strategy if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.

If your company owns or leases vehicles, this policy protects your business. It can provide coverage for your legal fees and the medical costs of others if your employee is at fault in an accident. It can cover the cost of damages even if the vehicle is used for personal activities outside of its primary business use.

This type of business insurance in Florida can be purchased as an add-on to a BOP, general liability, or professional liability policy. It helps cover costs related to system hacks or data security breaches where sensitive information has been stolen and fraud has occurred or it’s reasonable to think it might occur.

When buying business insurance in Florida, every policy has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection and can cover costs over the limit of another biBerk liability policy, up to its own limit. Without it, you might be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your company.