Florida's Premier Property & Commercial Insurance Agency
Business Protection Specialists
Every business faces unique risks. As an independent agency, we shop dozens of top-rated commercial carriers to build a custom package that protects your operations, assets, and people — at the right price.
The foundation of every commercial policy
General Liability (GL) protects your business against third-party claims for bodily injury, property damage, and personal/advertising injury. It's often required by landlords, general contractors, and clients before you can work or sign a lease.
All businesses — from sole proprietors to corporations. Required in most commercial leases and contractor agreements.
GL + property bundled — best value for small businesses
A Business Owner's Policy combines General Liability and Commercial Property coverage into one affordable policy. BOPs are ideal for small to mid-size businesses and typically cost less than buying each policy separately.
Retail shops, restaurants, offices, contractors, salons, and any small business with a physical location and assets to protect.
Protects your business buildings, equipment, inventory, and other physical assets from fire, theft, wind, and other covered perils.
Any business that owns or leases a physical space — office buildings, warehouses, retail stores, manufacturing facilities, restaurants.
Vehicles used for business need business coverage
Personal auto policies exclude vehicles used for business purposes. Commercial auto covers your business-owned vehicles, leased vehicles, and in some cases, employee vehicles used for work.
Contractors, delivery services, landscapers, real estate agents, sales reps, any business that owns or operates vehicles.
Coverage for property in transit and off-premises
Despite the name, Inland Marine has nothing to do with water. It covers movable property, tools, equipment, and goods in transit — things that fall through the gaps of standard property policies because they move around.
Contractors, photographers, caterers, event companies, equipment rental businesses, and anyone whose assets leave the main business location.
A Commercial Umbrella policy provides an extra layer of liability protection above and beyond your underlying GL, commercial auto, and employer's liability limits. When a major claim exceeds your base policy limits, umbrella coverage kicks in.
Any business with significant liability exposure — contractors, manufacturers, distributors, truckers, and businesses with high public traffic.
Standard commercial property policies exclude flooding. A separate commercial flood policy is critical for Florida businesses — especially in Zones A, AE, V, and VE. We offer both NFIP and private market options.
All Florida businesses — especially those in flood zones, near bodies of water, or in low-lying areas. Often required by commercial lenders.
As an independent agency, we shop the market to find you the right combination of policies at the best price. One call, dozens of carriers.
Get a Commercial Quote (813) 803-5036