Florida Business Insurance

We recommend general liability insurance in Florida for almost all businesses. This coverage can help pay for expenses if your business is held responsible for an injury or property damage involving anyone other than an employee.

Clients often require general liability insurance before they sign a contract with your business. Many commercial landlords will also ask that you carry this coverage before they offer you a lease.

Here’s an example of general liability insurance in action:

An Orlando-based janitorial business uses the wrong type of cleaning solution at a client’s office and damages the carpet throughout the building. General liability insurance pays to replace the carpet and could help the company avoid a lawsuit.

Cleaning and construction companies can boost their protection by bundling tools and equipment insurance with general liability coverage. This type of insurance pays to replace lost or damaged gear that is essential to keep your business running.

Small businesses in Florida with company-owned vehicles need commercial auto insurance to protect against accidents that happen while driving for work. Personal auto insurance generally doesn’t cover damages that happen when you’re on the road for business purposes, even if you’re in your own car.

The cost of commercial auto insurance in Florida depends on factors such as the number and types of vehicles you own, how often you drive for work, employees’ driving records and your coverage’s deductible.

For example, if a real estate agent drives to Miami to host an open house and has a minor fender bender on Interstate 95. Commercial auto insurance pays for damages to the agent’s car and the other driver’s vehicle. If the accident is serious, commercial auto insurance helps cover medical bills and lawsuit costs.

If your business’s employees occasionally drive their own cars or you rent vehicles for work, you’ll want to consider adding a form of commercial auto insurance called hired and non-owned auto coverage.

Even if you’re very careful with your business decisions and advice, a client could accuse you of making a work mistake or missing a deadline that causes financial losses.

This is where professional liability insurance comes into play. Also known as errors and omissions (E&O) insurance, we recommend this coverage for businesses in many industries.

For example, a client accuses a small Pensacola accounting firm of making a tax error that causes thousands of dollars in losses, and the customer files a lawsuit to recoup the damages. E&O coverage helps the accounting firm cover legal costs and attorney bills, even if it is not held liable for damages in court.