State laws can affect which insurance policies you need for your small business. These policies are required for Florida businesses.
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.
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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 #."