Businesses ask us for coverage because a contract, a landlord, a license, or a payroll rule requires it. The groups below are the ones we hear most often in Jacksonville and Middleburg. Each blurb is original. None of them is a price.
What it covers
A way to find the right guide. Every group links to the coverage page that usually comes first, and to the quote form.
What it doesn't cover
A promise that a company will write the class. A list of carriers. A specialty program we have not said we place.
Florida specifics
Construction follows the workers' compensation rule in chapter 440. Vehicles follow the financial-responsibility rules. Professional licenses follow the Department of Business and Professional Regulation. The guides linked below cite those sources.
How we help
Pick the group that fits, read the linked page, and start a quote if the work matches. Call either office if the work is unusual. We would rather hear the odd detail at the start.
Contractors and trades
Roofers, plumbers, electricians, painters, and general contractors are asked for liability, workers' compensation, a truck, and sometimes a bond before they can pull a permit or step on a job.
Transportation
Firms that move people or goods need a business auto policy, and sometimes cargo coverage. A personal auto policy is the wrong form for a vehicle that works all day.
Real estate and property
Landlords, property managers, and people who own a building they do not live in need a property form and liability. A residence policy stops fitting once the building is a rental or a commercial unit.
Professional services
Consultants, designers, bookkeepers, and other firms that sell advice need a conversation about professional liability. A general liability policy does not cover a financial loss from a mistake in the work.
Retail and hospitality
Shops, restaurants, and small lodging businesses usually start with a business owners policy: liability, contents, and the question of what happens if a storm closes the door.
Healthcare
Clinics and practices often need professional liability and a cyber form, because they hold records as well as see patients. Ask which of those this agency can place. We will not call a general liability policy a medical form.
Manufacturing and wholesale
A plant or a warehouse needs the building, the stock, the equipment, and workers' compensation. Tools and goods that leave the building may need inland marine.
Nonprofits
Churches, youth groups, and other nonprofits need liability for guests and often directors and officers coverage for the board. Employees still raise a workers' compensation question.
Other
If the work is not in a group above, start with the business hub and tell us what you do in plain language. The class codes can wait until we understand the work.