Business Insurance in Florida

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Get small business insurance for your Florida business

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Recommended insurance policies for small businesses in Florida

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
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
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
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
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
Looking for different coverage? See more policies.

Florida business insurance requirements

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

Blue 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.

Blue 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?

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Commercial insurance can be affordable for a small Florida business. Factors that influence the cost include:

  • Your type of business and its risks
  • Business operations and revenue
  • Number of employees
  • Types of insurance purchased
  • Coverage options, such as policy limits
View Small Business Insurance Costs
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Find the right policies and get your certificate of insurance

Insureon's licensed agents can help you find coverage that fulfills Florida's requirements and your business insurance needs. Once you've purchased a policy with us, you can download a certificate of insurance by logging into your account.

In Florida, insurance agencies, agents, 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 Florida license number field.

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