Brokers of America Insurance

Business Insurance

Commercial Property

Coverage for your building, contents, business income, and signage.

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Florida commercial property is a moving target — premiums change year over year as carriers react to hurricane exposure. We shop your renewal every year and bundle with GL into a BOP when it makes sense.

What's covered

  • Building (owned)
  • Tenant improvements
  • Business personal property (equipment, inventory, furniture)
  • Business income / extra expense
  • Outdoor signs
  • Hurricane + wind

What's not

  • Flood (separate policy)
  • Earthquake
  • Employee theft (needs Crime coverage)
  • Cyber incidents

Florida note

Hurricane deductibles on commercial property are usually 3% or 5% of building value — that's $30k–$50k on a $1M building. We help you weigh deductible vs. premium and coordinate flood coverage separately.

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We write commercial property with these carriers:

  • Berkley Regional
  • Clear Spring
  • Spinnaker
See all carriers

Related coverage

More ways we protect your operation.

General Liability

Third-party bodily injury, property damage, advertising injury for FL businesses.

Learn more

Workers Comp

Required state coverage. 1+ employees for construction, 4+ for non-construction.

Learn more

Commercial Auto

Single vehicle or fleet. Owned, hired, non-owned.

Learn more

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.

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FL DFS License W190034 · NPN 9069115 · Licensed broker · Brokers of America PR LLC