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Commercial Insurance

Florida's Premier Property & Commercial Insurance Agency

Business Protection Specialists

Commercial Insurance Coverage

Every business faces unique risks. As an independent agency, we shop dozens of top-rated commercial carriers to build a custom package that protects your operations, assets, and people — at the right price.

General Liability Business Owner's Policy Commercial Property Commercial Auto Inland Marine Commercial Umbrella Commercial Flood

General Liability Insurance

The foundation of every commercial policy

General Liability (GL) protects your business against third-party claims for bodily injury, property damage, and personal/advertising injury. It's often required by landlords, general contractors, and clients before you can work or sign a lease.

Who Needs This

All businesses — from sole proprietors to corporations. Required in most commercial leases and contractor agreements.

What's Covered
  • Bodily injury to customers or third parties on your premises
  • Property damage caused by your business operations
  • Products and completed operations liability
  • Personal & advertising injury (libel, slander, copyright)
  • Medical payments for minor injuries regardless of fault
  • Legal defense costs and court judgments
Get GL Quote

Business Owner's Policy (BOP)

GL + property bundled — best value for small businesses

A Business Owner's Policy combines General Liability and Commercial Property coverage into one affordable policy. BOPs are ideal for small to mid-size businesses and typically cost less than buying each policy separately.

Who Needs This

Retail shops, restaurants, offices, contractors, salons, and any small business with a physical location and assets to protect.

What's Included
  • General Liability coverage (see above)
  • Commercial property — building and/or business personal property
  • Business income / loss of income protection
  • Equipment breakdown coverage (often included)
  • Optional add-ons: cyber liability, professional liability, hired/non-owned auto
Get BOP Quote

Commercial Property Insurance

Protects your business buildings, equipment, inventory, and other physical assets from fire, theft, wind, and other covered perils.

Who Needs This

Any business that owns or leases a physical space — office buildings, warehouses, retail stores, manufacturing facilities, restaurants.

Building & Contents Coverage
  • Commercial building (owned) — structure and permanent fixtures
  • Business personal property — furniture, equipment, inventory
  • Tenant improvements & betterments (for leased spaces)
  • Business income & extra expense (loss of income during repairs)
  • Signs, fences, and outdoor property
Commercial Property Types We Cover
  • Office buildings — single and multi-tenant
  • Retail storefronts and strip malls
  • Warehouses and distribution centers
  • Industrial and manufacturing facilities
  • Restaurants and food service establishments
  • Medical and professional offices
  • Vacant commercial buildings
  • Mixed-use and multi-family investment properties
Coverage Estimator

Commercial Auto Insurance

Vehicles used for business need business coverage

Personal auto policies exclude vehicles used for business purposes. Commercial auto covers your business-owned vehicles, leased vehicles, and in some cases, employee vehicles used for work.

Who Needs This

Contractors, delivery services, landscapers, real estate agents, sales reps, any business that owns or operates vehicles.

  • Liability — bodily injury and property damage to others
  • Collision — damage to your vehicle from an accident
  • Comprehensive — theft, vandalism, weather damage
  • Hired & non-owned auto — employees' personal vehicles used for work
  • Uninsured/underinsured motorist protection
  • Medical payments / PIP
  • Fleet coverage for multiple vehicles
Get Commercial Auto Quote

Inland Marine Insurance

Coverage for property in transit and off-premises

Despite the name, Inland Marine has nothing to do with water. It covers movable property, tools, equipment, and goods in transit — things that fall through the gaps of standard property policies because they move around.

Who Needs This

Contractors, photographers, caterers, event companies, equipment rental businesses, and anyone whose assets leave the main business location.

  • Contractor's tools and equipment (on jobsites and in transit)
  • Installation floater — materials before permanent installation
  • Camera and photography equipment
  • Fine art, antiques, and valuable collections
  • Medical and scientific equipment
  • Goods in transit / cargo
  • Computer and electronic equipment (off-premises)
Get Inland Marine Quote

Commercial Umbrella Insurance

A Commercial Umbrella policy provides an extra layer of liability protection above and beyond your underlying GL, commercial auto, and employer's liability limits. When a major claim exceeds your base policy limits, umbrella coverage kicks in.

Who Needs This

Any business with significant liability exposure — contractors, manufacturers, distributors, truckers, and businesses with high public traffic.

  • Extends limits on GL, commercial auto, and employer's liability
  • Covers claims that exceed underlying policy limits
  • Available in $1M to $10M+ increments
  • Protects business assets from catastrophic lawsuits
  • May cover some gaps in underlying policies
Get Umbrella Quote

Commercial Flood Insurance

Standard commercial property policies exclude flooding. A separate commercial flood policy is critical for Florida businesses — especially in Zones A, AE, V, and VE. We offer both NFIP and private market options.

Who Needs This

All Florida businesses — especially those in flood zones, near bodies of water, or in low-lying areas. Often required by commercial lenders.

  • NFIP commercial flood — up to $500K building / $500K contents
  • Private flood — higher limits, broader coverage, often lower premiums
  • Excess flood — covers above NFIP limits for high-value properties
  • Business personal property and inventory
  • Business income loss due to flooding (private market)
  • Covers storm surge, overflow, and surface water flooding
Get Commercial Flood Quote

Build Your Commercial Coverage Package

As an independent agency, we shop the market to find you the right combination of policies at the best price. One call, dozens of carriers.

Get a Commercial Quote (813) 803-5036