Business Insurance in Florida

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What are the requirements for small business insurance in Florida?

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

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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.

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Commercial auto insurance

All business-owned vehicles in Florida must be covered by commercial auto insurance. Florida requires $10,000 property damage liability per accident and $10,000 personal injury protection.

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.

Recommended insurance policies for small businesses in Florida

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Find policies for your profession

Photographers, nurses, and lawyers need different insurance coverage. Insureon offers policies for the following Florida professions and more:

Don't see your profession listed? Find more professions.

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 industry and risk
  • Coverage limits
  • Location
  • Number of employees
View Small Business Insurance Costs

Insureon specializes in Florida business insurance

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 #."

What our customers are saying
"Denise Smith is a breath of fresh air. I loved every second dealing with her. And, yes, I'm talking about buying insurance. Most people don't love that, but Denise made the experience exceptional. She is a rock star!"
Kristine W.
Food products manufacturing
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