Industries We Insure · Across Florida
Florida Small Business Insurance by Industry
A roofer, a day care and a gas station face different claims, so they need different coverage. Find your industry below, and a licensed agent compares 150+ A-rated carriers for you.
What insurance does a small business need in Florida?
Most small businesses in Florida start with general liability, then add what the law and their industry demand: workers comp from the first employee in construction or the fourth in most other industries, commercial auto for business vehicles and property coverage for the building or the stock. The industry decides the rest: a roofer needs the liability limits its state license requires, a day care needs coverage for the children in its care and a gas station needs coverage for its fuel tanks. We match your industry to the carriers that write it.
Trades Insurance for Electricians, Plumbers and Roofers
Electricians, plumbers, roofers, handymen and tree crews work on other people's property every day. One slip can mean a flooded kitchen, a damaged roof or a hurt neighbor, and many jobs will not let you start without a certificate. Florida also makes licensed roofers and plumbers prove their liability coverage to get and keep a license.
Coverage most asked for:General LiabilityWorkers CompCommercial AutoInland Marine
Insurance for ALFs, Day Cares and Care Facilities
Assisted living facilities, adult day centers and child care centers look after people who depend on them. Claims here can involve a resident, a client or a child, so carriers look closely at staffing, training and safety records. We place these risks with carriers that write care facilities every day.
Coverage most asked for:General LiabilityProfessional LiabilityWorkers CompCommercial Property
Food Business, Retail and Hospitality Insurance
Restaurants, food trucks, bakeries, grocery and retail stores, gas stations and hotels all open their doors to the public. That brings slip-and-fall claims, spoiled stock after a power outage and storm damage to the building. For many of these businesses, a business owner's policy (BOP) bundles property and liability together.
Coverage most asked for:General LiabilityBOP — Business OwnersCommercial PropertyWorkers Comp
Staffing, Cleaning, Warehouse and Factory Insurance
Staffing agencies, cleaning companies, warehouses and manufacturers carry risk on the payroll, at client sites and inside their buildings. For staffing and cleaning firms, workers comp is often the biggest line on the bill. Client contracts also tend to ask for higher liability limits, so we quote the whole account together.
Coverage most asked for:Workers CompGeneral LiabilityCommercial PropertyCommercial Umbrella
Automotive Business Insurance for Dealers and Shops
Auto dealers, body shops and repair garages keep cars on their lots, often customers' cars, and drive them on public roads. A car damaged in your bay or on a test drive is a different claim from a slip in your lobby. Garage liability and garagekeepers coverage are built for exactly that.
Coverage most asked for:General LiabilityWorkers CompTransporter TagsCommercial Property
Church, Nonprofit and Event Insurance
Churches, nonprofits and event hosts run on volunteers, donations and gatherings. A guest can get hurt at a service or a fundraiser, and a board can be sued over a decision it made. We quote coverage for the building, the people who serve and the event itself.
Coverage most asked for:General LiabilityDirectors & OfficersCommercial PropertyCommercial Umbrella
How to Get Business Insurance in Florida
- Tell us what your business does.
Your industry, payroll, vehicles and any contract requirements, by phone or with one short form.
- We shop the carriers that write your industry.
Not every carrier insures every trade, so we compare 150+ A-rated carriers and show you the ones that fit.
- You choose, and we send your certificates.
Pick the option that fits, and we issue certificates of insurance the same day on bound policies.
Where can I compare small business insurance in Miami?
At our Kendall office, where licensed agents put 150+ A-rated carriers side by side for one class of business at a time. Carriers sort every company into an industry class and many accept only some classes, so the comparison starts with yours: a Doral warehouse, a Hialeah bakery and a Homestead roofer each go to different markets. You get the options laid out by coverage and price, plus the certificates your clients ask for once you choose.
Additional Business Insurance Options
Small Business Insurance Guides for Florida
Business Owners Policy vs. General Liability: Which Fits?
Business owners policy vs. general liability: a BOP adds property and business income coverage to liability. How to tell which your Florida business needs.
Read More →
Payment Bond vs. Performance Bond: How Each One Works
Payment bond vs. performance bond: one guarantees the job gets finished, the other that subs and suppliers get paid. When Florida public jobs need both.
Read More →Free Small Business Insurance Quotes
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Tell us your industry and what your contracts require. A licensed agent compares the carriers that write your class of business and shows you every option, free.
- No obligation, no pressure
- Renewal and claims help after you buy
- Commercial specialists, Miami-based
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Common Questions