Business Insurance Agents in Florida

Find the Right Agent for Your Business Insurance Needs 

Elesha N Keaton - life insurance agent in georgia

Nathaniel Schiro 

 ✔ verified 

“I am a Financial Educator, helping people take control of their money to create financial freedom.”

📍Cape Coral, Florida, 33991

JoeSpeer Life Insurance - Life insurance agent in georgia

Andrzej Zenczykiewicz

 ✔ verified 

“Do what’s right even when no one’s looking.”

📍Sarasota, Florida, 34240


Charmaine Russell

“I’m an agent that will educate consumers on how money works, using insurance as one area to protect their livelihood.”

📍Jacksonville, Florida, 32256

The Sunshine State of Florida has the third highest number of small businesses (3 million) in the U.S. If you’re looking to open your own business or already have one up and running, getting the right type of business insurance is important. 

With the help of local insurance agent in Florida, you can get the right coverage for your business.

As per Florida state laws, businesses are required to have the following insurance policies: 

General Liability Insurance Commercial Auto Insurance  Workers’ Compensation Insurance 
This policy is essential for all businesses in Florida. It protects against common risks such as customer property damage and injuries. This coverage is required by the majority of commercial leases.  This coverage is necessary for all business-owned vehicles in Florida. It covers injuries and property damage in an accident, as well as vehicle theft, vandalism, and weather damage. Workers’ compensation insurance is required for businesses in Florida with four or more employees. It also helps to protect sole proprietors from work-related injuries that health insurance may deny.

Why Agency Height?

Local Coverage Expertise- Explore top agents who best understand your location, local laws, and needs.   

The Power to Choose- Talk to an agent or five, the choice is yours! Get multiple quotes and pick the one you like best. 

Hassle-free process– No unwanted calls. Book free consultations with only the ones you choose. 

Popular Business Insurance in Florida

Besides the state mandated insurance policies, businesses in Florida usually have the following coverages in place. 

Business Owners Policy   Professional Liability Insurance  Cyber Liability Insurance 
This policy combines commercial property insurance with general liability coverage into a single policy. It is generally the least expensive type of Florida business insurance coverage.  This coverage protects small business owners who provide professional services from legal costs incurred as a result of their work performance. It is also known as errors and omissions insurance (E&O).  This insurance protects against financial losses resulting from data breaches and cyberattacks. It can assist Florida businesses to quickly recove after a data breach exposes sensitive customer data. 

Business Insurance Cost in Florida   

In Florida, most small businesses purchase general liability, professional liability (also known as errors and omissions), and commercial auto insurance. 

Several factors influence the type of small business insurance your company requires, including: 

  • Business Industry 
  • Number of Employees
  • Risk Exposure
  • With that in mind, on average business owners in Florida can expect to pay the following amounts for their insurance.
Coverage Type   Average Annual Premium Average Monthly Premium 
Business Owners Policy  $684  $57 
General Liability Insurance  $504  $42 
Workers’ Compensation Insurance  $540  $40 
Professional Liability Insurance  $708  $59 
Commercial Auto Insurance  $1,704  $142 

Source: Insureon

Best Insurance Companies for Business Insurance in Florida    

Policy Type  Insurance Company Benefits 
Overall  State Farm  General liability coverage available in increments of $1 million 
Business Owners Policy  Liberty Mutual  Fast and streamlined online/in-app claims process 
General Liability  Nationwide  A++ rating from AM Best 
Workers’ Compensation  The Hartford  Second largest provider for workers compensation. 
Commercial Auto  Progressive  Top commercial auto insurance provider 


Frequently Asked Questions

What does business insurance exclude?

While small business insurance covers legitimate losses, it excludes damages caused by your own negligence or fraud. It may also exclude you if you misrepresent the nature of your business or misclassify your employees in order to lower premiums.

How Much Does a Business Owners Policy in Florida Cost?

The premiums vary according to the amount of risk exposure and the endorsements and deductible chosen. The following are some of the major factors that influence the cost of a policy: 

  • Business type (contracting, service, retail etc.) 
  • Business address 
  • Years of experience in business 
  • Annual salary 
  • Annual revenue claims history 
  • How much land do you want to protect 

    How much does Florida LLC insurance cost?

    A typical small business in Florida can expect to pay between $300 and $5,000 per year for general liability insurance. 

    What insurance do I need in Florida for my LLC?

    Workers’ compensation insurance is required by Florida law for all business owners. This insurance is required for any non-construction business that employs four or more people, as well as any construction business that employs at least one person.

    Is business insurance required for sole proprietorship?

    Yes, if you’re the sole proprietor, you’re personally liable for your company. This means you are liable for all claims, debts, and duties. There is no separation of business and personal assets in a sole proprietorship. That is why professional liability insurance is essential.

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