Business Insurance for Lawyers
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Insurance for lawyers in Florida

Learn about business insurance requirements and the most common policies for lawyers in Florida.

Which policies are required for lawyers in Florida?

If you have a commercial lease, your property manager may require you to purchase general liability insurance. Commonly purchased by lawyers in Florida, general liability insurance can protect your business from expenses associated with common mishaps, such as client property damage and injuries.

State law in Florida requires every small business that has more than four employees and is not engaged in construction work to provide workers’ compensation insurance, which covers medical bills for work injuries. Businesses that own a vehicle must purchase commercial auto insurance and meet state requirements for auto liability coverage.

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What are the most common insurance policies for Florida lawyers?

Florida lawyers most often buy these insurance policies. You may need some or all of these policies depending on the specifics of your business, such as the number of employees and requirements outlined in contracts and leases.

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Business owner's policy (BOP)

Small law firms often qualify for a business owner’s policy. This package helps your business save money by bundling commercial property insurance with general liability at an affordable rate.

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General liability insurance

General liability insurance is the foundation of a lawyer’s business protection, with coverage that extends to client injuries, client property damage, and advertising injuries. Most commercial leases require you to have this coverage.

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Florida workers' compensation

If you own a law firm in Florida that has more than four employees, you are required to carry workers’ compensation coverage. Even when it's not required, it's a good idea to carry workers' comp to protect against expensive medical bills.

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Commercial auto insurance

Commercial auto insurance is required for business-owned vehicles, while hired and non-owned auto insurance (HNOA) covers vehicles that your business uses but does not own. This policy covers the cost of accidents involving a law firm's vehicle, including property damage and medical expenses.

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Cyber liability insurance

Cyber liability insurance can help lawyers survive costly data breaches and cyberattacks. This policy helps pay for client notification costs, fraud monitoring services, and other related expenses.

What do lawyers in Florida pay for insurance?

The typical lawyer in Florida can expect to pay more than the national median for some types of business insurance and less than the median for other types, according to an analysis of Insureon's customer data.

For example, the median annual cost of workers’ compensation insurance for a lawyer in Florida is $1,366, which is more than the national median of $1,054. On the other hand, Florida lawyers can expect to pay a median annual premium of $517 for a business owner’s policy, much less than the national median of $1,000.

Median insurance costs for Florida lawyers.

Save time and money with Insureon

Insureon’s industry-leading technology helps lawyers in Florida save time and money shopping for insurance by comparing policies from top U.S. carriers. Start a free online application to review quotes for the policies that best fit your business. Our insurance agents are licensed in Florida and can answer your questions as you consider coverage.

To make the application go quicker, have this information ready:

  • Workforce details, such as the number and types of employees
  • Current and projected revenue
  • Business partnerships
  • Insurance history and prior claims
  • Commercial lease insurance requirements

Apply for free insurance quotes for lawyers today.

Updated: May 3, 2022
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