Business Insurance in Florida

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Learn about Florida business requirements

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What insurance policies are recommended for Florida businesses?

Small businesses in Florida most often buy these types of insurance.
General liability insurance icon

General liability insurance

A general liability policy is important for all Florida businesses. It covers common risks, including customer property damage and injuries. Most commercial leases require this coverage.

BEST FOR
  • Customer injuries at your business
  • Damaged customer property
  • Libel and other advertising injuries
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ compensation insurance is required for Florida businesses that have four or more employees. It also protects sole proprietors from work injury costs that health insurance might deny.

BEST FOR
  • Employee medical expenses
  • Partial missed wages
  • Legal fees from employee injuries
Commercial auto insurance icon

Commercial auto insurance

This policy is required for business-owned vehicles in Florida. It covers injuries and property damage in an accident, along with vehicle theft, vandalism, and weather damage.

BEST FOR
  • Accidents involving business vehicles
  • Theft of a business-owned vehicle
  • Damage to a company vehicle
Business owner’s policy icon

Business owner's policy

This policy bundles commercial property insurance and general liability coverage in one plan. It's often the most cost-effective type of Florida business insurance coverage.

BEST FOR
  • Customer bodily injury
  • Damaged customer property
  • Damaged business property
Professional liability insurance icon

Professional liability insurance

This policy protects small business owners who provide professional services against legal costs related to work performance. It's also called errors and omissions insurance (E&O).

BEST FOR
  • Work mistakes and oversights
  • Professional negligence lawsuits
  • Late or incomplete work
Errors and omissions insurance icon

Errors and omissions insurance

E&O, sometimes called professional liability insurance, is common with professional services in Florida. It can cover the cost of lawsuits related to your work performance.

BEST FOR
  • Missed deadlines
  • Accusations of negligence
  • Errors and oversights
Cyber liability insurance icon

Cyber liability insurance

This insurance covers financial losses caused by data breaches and cyberattacks. It can help Florida businesses recover quickly after a data breach exposes sensitive customer data.

BEST FOR
  • Customer notification costs
  • Fraud monitoring services
  • Cyber extortion payments
Umbrella / excess liability insurance icon

Commercial umbrella insurance

Umbrella insurance boosts coverage on your general liability insurance, commercial auto insurance, and employer's liability insurance when the underlying policy reaches its limit.

BEST FOR
  • Customer lawsuits
  • Auto accident lawsuits
  • Employee injury lawsuits
Commercial property insurance icon

Commercial property insurance

This policy covers the value of a business's physical structure and its contents, such as inventory, equipment, and furniture. Bundle it with general liability coverage in a BOP for savings.

BEST FOR
  • Fire
  • Theft and vandalism
  • Weather damage
Looking for different coverage? See more policies.

How to get insurance for your Florida business

When you are ready to get insurance for your Florida business, you can complete Insureon's easy online insurance application to get quotes from top-rated carriers.

What business insurance policies are required in Florida?

State laws affect which types of insurance coverage you need for your small business. These policies are required in Florida, from Jacksonville to Miami.

Purple check mark

Workers' compensation insurance

Florida state law requires businesses with four or more employees, full-time or part-time, to carry workers’ compensation insurance. In the construction industry, businesses with even one employee must provide workers’ comp.

This policy covers medical bills for work injuries and illnesses. It also provides part of the wages lost while an employee is recovering.

Purple check mark

Commercial auto insurance

All business-owned vehicles in Florida must be covered by commercial auto insurance. This policy covers the cost of work vehicle accidents.

Florida's minimum requirements for auto liability coverage are:

  • $10,000 property damage liability per accident
  • $10,000 personal injury protection

Trucking companies may need additional coverage to comply with regulations.

Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance (HNOA), as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy (BOP).

How much does small business insurance cost in FL?

Business woman calculating costs of insurance.

Commercial insurance can be affordable for small business owners. Median costs in Florida are:

General liability: $45 per month
Workers' comp: $46 per month
Professional liability/E&O: $61 per month

Factors that influence business insurance costs include:

  • Your industry and risks
  • Business operations
  • Number of employees
  • Policy limits and deductibles

Other common questions about Florida business insurance

How do I get a certificate of insurance for my business?

Insureon's licensed agents can help you find policies that fulfill Florida's requirements and protect against financial loss. Once you've purchased insurance with us, you can download a certificate of insurance by logging into your account.

Can my company be held liable for a data security breach?

Yes – that's why cyber insurance is so crucial. Hackers are three times more likely to target small businesses, as they often have fewer resources to combat a threat.

Florida's data breach laws require businesses to report security breaches to affected residents, and the costs can escalate quickly. Cyber liability insurance lessens the financial impact by paying for notification costs, legal fees, and fines.

Does my industry affect state insurance requirements?

Yes, your state may have special requirements for business insurance and bonds for your industry. You may also need a license depending on the work you do.

Contractors often need to carry general liability insurance or surety bonds to perform certain types of work. Having the right insurance and bonds helps you comply with state licensing requirements.

Real estate agents and brokers and other professionals who offer advice or services sometimes need errors and omissions insurance (E&O) to get licensed in their state.

Note that cities and counties may have their own laws, in addition to state laws.

How can I save money on Florida business insurance?

As with any purchase, shopping around is one of the best ways to find an affordable option. With Insureon, you can compare quotes from top-rated providers by filling out a free online application.

Other ways to save include bundling policies for a discount, and choosing less expensive policy options, such as lower limits or a higher deductible. Learn more about how to find cheap business insurance.

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