Business Insurance
Cover the operation.
Sleep at night.
From a one-truck contractor to a 30-employee restaurant group, I write commercial insurance across Florida. Independent broker means I shop the renewal every year — no auto-renewal at a 22% increase.
General Liability
Third-party bodily injury, property damage, and personal/advertising injury. Required for most commercial leases and contractor agreements.
- Per-occurrence + aggregate limits
- Defense costs included
- COIs in 24 hours
Commercial Property
Coverage for your building, contents, business income, and signage. Florida property is a moving target — we shop it every year.
- Building + contents
- Business income / BOP
- Hurricane + flood coordination
Workers Comp
Florida requires WC at 1+ employees for construction, 4+ for non-construction. Required even under threshold when GCs ask for a certificate.
- State-mandated coverage
- Pay-as-you-go billing
- Audit support included
Commercial Auto
Single vehicle or fleet, owned or hired/non-owned. Commercial auto is not the same as personal auto — and personal auto won't cover business use.
- Owned, hired, non-owned
- Fleet discounts
- Florida-licensed carriers
Surety Bonds
License bonds, performance bonds, bid bonds, contractor bonds. Florida DBPR contractors usually need at least one. We file fast.
- Contractor license bonds
- Bid + performance bonds
- Same-week issuance
30+ A-rated carriers
Your options — not just ours.
As independent brokers, we write with every major Florida-licensed carrier — when one drops you, another picks you up.
Stop overpaying for coverage
you don't understand.
Free quote. Free policy review. No obligation. We'll tell you exactly what changes between carriers — and what doesn't.
FL DFS License W190034 · NPN 9069115 · Licensed broker · Brokers of America PR LLC