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Business insurance

Draft for review

We help local businesses line up the policies a contract, a landlord, or a payroll requires. The cards below are drafts. Each one cites a public source.

What it covers

Liability, property, vehicles, workers' compensation, professional liability, cyber, bonds, an umbrella, and a contractor page. The industries page sorts common local work into those guides.

What it doesn't cover

These pages do not set a contract limit and they do not replace a certificate. They do not say a company will appoint the agency for every class.

Florida specifics

Construction has its own workers' compensation rule. Wind and flood on a building are separate questions, the same as on a house. A personal auto policy is a poor fit for a vehicle used in the business.

How we help

Start a quote, pick Business, and tell us the work, the number of people, and which coverages the contract names. Call either office if a job is waiting on a certificate.

Business lines

Questions people ask

What do landlords and general contractors usually ask for?

A certificate of liability insurance, and often workers' compensation and a vehicle schedule. The contract names the limits. Bring the contract with the quote.

Is a home policy enough for a business in the house?

Usually no. A homeowners policy is written for a residence. A business owners policy or general liability is the conversation to have if customers, tools, or inventory are involved.

Do you insure every industry?

We can shop many local classes. Whether a company will write the work depends on what you do and where you do it. The industries page groups the usual questions.

How fast can you send a certificate?

Call the office that has the policy. The service center also has a certificate request. We do not promise a same-day certificate for a policy we have not seen.

Related

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Sources

  1. Florida Office of Insurance Regulation
  2. Florida Department of Financial Services, Division of Consumer Services