State laws can affect which business liability insurance policies you need for your small business. These policies are required in Florida.
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.
Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.
This policy is important for all Florida businesses. It covers common risks, including customer property damage and injuries. Most commercial leases require this coverage.
This policy, also called errors and omissions insurance, protects professionals whose work depends on their expertise. It covers client lawsuits over mistakes and missed deadlines.
This policy helps Florida businesses survive data breaches and cyberattacks by paying for client notification costs, legal fees, and other related expenses.
This policy bundles property insurance and general liability insurance in one plan. It's often the most cost-effective type of commercial insurance for a Florida business.
Workers’ compensation insurance is required for Florida businesses that have four or more employees. It can cover medical costs for work injuries and illnesses.
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.
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In Florida, insurance agents, agencies, and brokers are licensed by the Florida Department of Financial Services. Insureon is licensed in Florida for property and casualty insurance as BIN Insurance Holdings, LLC (NPN 15752926). You can verify our licensure with the Florida Department of Financial Services by entering our state license, L067932, into the field labeled "FL License #."