Small Business Insurance Florida

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Florida small businesses need business liability insurance protection — and sometimes it’s required by law to operate, get a lease or bid on jobs.

NEXT specializes in small businesses and we make it fast, easy and affordable to get Florida business insurance coverage customized for your business.

Business insurance in FL can help protect from losses around:

Injuries
Property damage
Medical expenses
Theft, burglary and vandalism
Fire damage and storm damage
Equipment failures
Vehicle collisions
And more

NEXT makes it easy to check prices, get covered and buy 100% online in about 10 minutes.

Manage your policy 24/7 via web or mobile app, and get unlimited certificates of insurance (proof of insurance) at no extra cost.

Start a free, no-obligation quote with NEXT.

How much does Florida business insurance cost?

Insurance companies calculate FL business insurance costs looking at a number of factors related to your business’ risk, including:

1. Your industry

The risk of work-related illness or injury in your work affects your business insurance monthly or annual premium. Jobs that are higher-risk, such as construction, often have higher insurance costs than low-risk desk jobs, such as an accountant.

2. Your number of employees

Your business insurance might cost more if you have employees than if you’re a sole proprietor.

3. Your business location

If you’re in a densely populated city like Miami, Tampa, Jacksonville or Orlando you may pay more for business insurance than if you work in a small town. And your business’ exposure to natural disasters could also mean you’re going to see higher costs.

4. Your years of work experience

A proven history of workplace safety and success in your industry can impact your insurance rate. A new business owner could pay more than a veteran in their field.

5. Your insurance claims history

Your record of safety, losses and claims can have an impact on your insurance premium.

6. Your insurance coverage limits

Higher insurance coverage limits on your policy can give you more protection over more covered incidents. But it can also increase the cost of your insurance.

The best way to know exactly what you’ll pay for business insurance is to check prices specifically for your business.

What type of Florida commercial insurance do you need?

Business owners who buy Florida commercial insurance often bundle several types of business insurance options, including:

Florida General Liability insurance

General liability coverage, also known as business liability coverage, can help cover your business for medical bills from injuries to non-employees or property damage you or your employees cause on other people’s property.

Many commercial landlords in Florida will ask that you carry a general liability policy before you can get a lease. It’s also common for clients to require this liability coverage before they’ll sign a contract with your business.

Learn more about general liability insurance >

Florida Commercial Auto insurance

Small businesses in Florida with company-owned vehicles could benefit from commercial auto insurance. It can help protect your business when accidents happen while driving for business.

Personal auto insurance doesn’t usually cover accidents or damages if you’re on the road for business in the state of Florida — even if you’re driving your personal vehicle.

Learn more about commercial auto insurance >

Florida Tool and Equipment insurance (T&E)

This type of business insurance policy can help protect the gear you and your team bring to a job site if you’re in the construction trade or own a cleaning business in Florida.

Tools and equipment insurance can provide financial help so you can get back to work quickly if your tools or other equipment are damaged or stolen while you’re on a job.

Learn more about tools and equipment insurance >

Florida Professional Liability insurance (also called Errors and Omissions insurance, or E&O)

Professional liability insurance, also known as errors and omissions insurance (E&O), could help if a client accuses you of making a professional mistake that causes them financial loss, such as missing a deadline or a miscalculation.

For example, if you work in professional services and your mathematical error causes a client monetary loss and they file a lawsuit, this coverage could help you cover some legal fees.

Learn more about professional liability insurance >

Who needs Florida business insurance?

Liability insurance is required for many professional licenses in your state and for other business operations. But even when it’s not, it’s a source of protection for many Florida professions, including:

Get custom business insurance with NEXT in about 10 minutes, 100% online

How NEXT can help you with small business insurance in Florida

We make it fast and easy for small business owners to get a business insurance quote, buy online and instantly share a certificate of insurance in about 10 minutes.

Manage your policy 24/7 via web or mobile app.

If you have questions, our US-based licensed agents are available to help with any insurance needs.

More information for Florida small business owners

Learn more about business insurance requirements or starting or growing a business in Florida:

NEXT Insurance reviews

I am so excited

I am totally excited about my new insurance for my small business. I am happy that the price was in a range that I can afford, the terms were easy to understand and it was so simple to purchase my first policy. I look forward to doing business with you in the future.

Curzella J.

Easiest insurance purchase – EVER!

I was looking around trying to compare insurance and I am so lucky I found NEXT. I was able to compare levels of coverage, and all the options, without pressure from a salesperson or time limits. I was able to check out prices and it was more coverage for less than the “traditional” company I looked at.

Michael W.

Happy small business owner!

I needed liability insurance for my new small business brick & mortar location. I got the run around from another company, but NEXT provided a competitive insurance quote in a timely manner. I now have the insurance that I need and it was stress-free!

Nicole E.

Get customized insurance for Florida business owners

* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.