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Transporter TagsLimo & Black CarCommercial TruckCommercial AutoTransportation Network CompaniesAutonomous Car FleetsMedical Transportation (NEMT)Tow Trucks

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Business Insurance · Florida

Business Insurance in Florida — Transportation Specialists

Transportation is our specialty: transporter tags, dealers, limos and trucks. From contractors to restaurants, we compare small business insurance in Florida across 150+ A-rated carriers, free.

Get A Free Quote → Call (800) 868-9170

What business insurance is required in Florida?

Florida law requires workers compensation from the first employee in construction and from four employees in most other industries, plus the state's required auto coverage on every vehicle the business registers. Leases, client contracts and licensing offices add general liability and certificates of insurance before you can start work, and lenders require property coverage on a financed building. Most small businesses then add a business owners policy, commercial umbrella and cyber coverage. We compare business insurance in Florida across 150+ A-rated carriers and build the set around your industry.

Transportation Business Insurance in Florida

Transporter tags, dealer plates, limo and black car fleets, box trucks and semis — we quote, bind, and service the coverage transportation businesses actually run on, with fast binds on most policies. It's not a sideline for us. It's the specialty.

Transporter TagsDealer-plate & transporter coverage, fast binds
Limo & Black CarFleets, black car & chauffeured service
Commercial TruckBox trucks, semis & long-haul
Commercial AutoBusiness vehicles & fleets
Transportation Network CompaniesRideshare & app-based fleets
Autonomous Car FleetsSelf-driving & robotaxi fleets
Medical Transportation (NEMT)Non-emergency medical transport
Tow TrucksTowing, recovery & on-hook cover

Core Business Insurance: Liability, BOP and Workers Comp

General LiabilityFrom slip-and-fall to lawsuits
BOP — Business OwnersProperty + liability in one policy
Workers CompFlorida-required coverage, all trades
Commercial PropertyBuildings, wind & contents
Commercial UmbrellaExtra limits over your policies
Inland MarineTools & cargo in transit
Group BenefitsGroup health, dental, vision & life

Professional Liability, Cyber and Surety Bonds in Florida

Professional LiabilityE&O for advice & service firms
Directors & OfficersBoard & officer protection
Cyber LiabilityBreach & ransomware response
Surety BondsCourt, license & contract bonds
Contract BondsBid & performance bonds
License & Permit BondsState & county requirements

Contractor, Builders Risk and Real Estate Insurance

Contractor InsuranceGL, tools & license support
Builders RiskNew construction & renovations
Apartment BuildingsMulti-family property & liability
Condo AssociationsMaster policies for boards
HOA InsuranceCommunity association coverage
Self-StorageFacilities & customer goods

Industries We Insure Across Florida

Every industry carries its own risks. Find yours and see the coverage it usually needs.

Contractors & TradesElectricians · Plumbing Companies · Roofing Contractors · Handyman Services · Tree ServicesHealth & CareAssisted Living Facilities · Adult Day Care · Child Day CareFood, Retail & HospitalityRestaurants · Food Trucks · Bakeries · Grocery Stores · Retail Stores · Gas Stations · Hotels & MotelsServices & FacilitiesStaffing Agencies · Cleaning & Janitorial · Warehouses · ManufacturersAutomotiveGarage Insurance · Garage Liability · Auto Body Shops · Auto Repair & GaragesCommunityChurches · Nonprofit Insurance · Special Events
See All Industries We Insure →
150+
A-Rated Carriers
50+
Commercial Lines
Fast
Transport Binds
Same Day
COIs Issued

Why Florida Businesses Choose American US Insurance

One-Company Agent

  • One carrier, one price — take it or leave it
  • Rate jumps at renewal? Nothing they can do
  • Their quota, their products
  • Call center service

American US Insurance — Independent

  • 150+ A-rated carriers compete for you
  • Renewal jumps? We re-shop it
  • Your needs pick the product
  • A local agent who knows your name
Get A Free Quote →

Where can I get business insurance in Florida?

Florida owners get it from our Kendall office, by phone or online, through licensed agents who quote with 150+ A-rated carriers instead of one company. Transportation is the specialty here: transporter tags, limo and black car, trucking, dealers and tow trucks, alongside 50+ other commercial lines. The agent who quotes your business also issues the certificates your clients and landlords ask for, and stays on the file at every renewal.

Free Business Insurance Quotes

Get Free Business Insurance Quotes in Florida

Tell us what your business does and what your contracts require. A licensed commercial agent compares 150+ A-rated carriers and lays the options side by side, free.

  • No obligation, no pressure
  • Renewal and claims help after you buy
  • Commercial specialists, Miami-based

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Common Questions

Florida Business Insurance Questions, Answered

What insurance is legally required for a business in Florida?
Workers compensation is the main state mandate: it starts at the first employee in construction and at four employees in most other industries (§ 440.02, Florida Statutes). Every vehicle your business registers needs the state's required auto coverage, and heavier commercial trucks carry higher liability limits. General liability is not a state mandate, but most leases, client contracts and licensing offices ask for it before you start work, so most Florida businesses carry it.

How fast can I get a certificate of insurance (COI)?
On a policy that is already active, we issue certificates of insurance the same day, often within the hour. Send us the exact additional insured wording your general contractor, landlord or venue requires, and the certificate goes out matching it so your job is not held up at the gate.

What is transporter tag insurance?
It is the garage or commercial auto liability policy a business needs before Florida issues a transporter plate: § 320.133 requires proof of at least $100,000 of liability. The plate lets eligible businesses, such as dealers, drive-away services and licensed repossessors, move unregistered vehicles. Few agencies write this coverage; we write it every week, with fast binds on most policies.

How much does business insurance cost in Florida?
It depends on your industry class, payroll, revenue, vehicles, claims history and the limits your contracts require, so two businesses of the same size can pay very different premiums. A two-person office pays far less than a roofing crew or a fleet of box trucks. The way to your real number is a side-by-side comparison: we quote your business across 150+ A-rated carriers, free.

How do I get business insurance for a small business?
Start with what the law and your contracts require: workers comp if you have employees, auto coverage on business vehicles and the general liability limits your lease or clients name. Then list your revenue, payroll, vehicles and any claims from the last three years. An independent agent sends that one file to several carriers and brings back comparable quotes, and the policy starts once you choose an offer and the carrier binds it.

Does my small business need workers comp insurance in Florida?
Yes, once you reach the state's threshold: one employee in construction, four employees in most other industries, and six regular employees in agriculture (§ 440.02, Florida Statutes). Corporate officers can file an exemption, but it covers only the officer who files. Running without required coverage can bring a stop-work order and a penalty, so we quote workers comp as soon as you add staff.

Can one agency insure my trucks, my building and my crew?
Yes. Commercial auto, commercial property, general liability and workers comp are all written here, and each line is compared with the carriers that want your industry. Keeping them on one file means one renewal calendar, one agent for every certificate and no gap between policies when you add a truck or move locations.

What do I need to get business insurance quotes in Florida?
Have your business name and address, what you do, annual revenue, payroll by job type, the vehicles and drivers you use and any claims from the last three years. If a client, landlord or licensing office named required limits, send that page too. With those in hand, a licensed agent at American US Insurance compares carriers and returns real options for your Florida business.
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