Orlando Florida
Small Business Insurance

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Orlando Florida Small Business Insurance Policy Information

Orlando FL Small Business Insurance

Orlando Florida Small Business Insurance. In general, Orlando Florida small business insurance helps protect a FL business' property, assets and income from the risks it faces everyday.

But buying commercial insurance can often be confusing for small business owners in Orlando...

Some of the most frequently asked questions are; What insurance should my business have? How much insurance is required? How much does it cost? How much insurance do I need?

The Sunshine State has always offered local small businesses numerous tax advantages, which put it ahead of its neighbors and other cities in the US. That's why Orlando is home to many startups and is a hub for investment.

That said, Orlando does have its seasonal highs and lows, depending on the industry, which is why entrepreneurs are faced with a unique set of challenges that require they plan accordingly.

Businesses in Orlando benefit greatly because it is in a state with the fourth-largest economy. The city's economy has grown by around 4% on average year on year. However, Orlando acknowledges that small businesses are the lifeblood of the city because it makes up for an important part of the city's economy. In fact, 99% of small businesses employ the majority of those employed in the city.

Entrepreneurs in Orland, Florida, also have access to sufficient capital when starting and, if needed to grow their business in the state. Also, there are more than 150 banks across the state, many of which are headquartered in Orlando, making the city one of the stars of the city's economic showing.

Orlando, Florida, is proof that businesses don't need to be located in a huge metropolitan like Silicon Valley or New York to have access to capital. The stable business environment of the city makes it ripe for all types of investment and investors.

Also, investors and entrepreneurs have access to large markets regardless of their industry. Not to mention that near ideal weather for most of the year means that living in Orlando is a dream.

Businesses in Orlando also enjoy lower taxes. Unlike businesses in other cities, you aren't faced with the same nuisances of business taxes. That's one of the reasons why businesses continue to flock to the city, helping grow its economy.

Get the best Orlando Florida small business insurance quotes for general liability, FL workers compensation, commercial auto, errors and omissions and more. Get your certificate of insurance today.

Orlando Business Insurance

Orlando FL

If you own a Orlando small business, this article will help you understand some the of most common policies available. Commercial insurance helps protect your business and potentially your personal assets from lawsuits and settlements that can reach into the millions.

Having high enough limits in your commercial liability coverage should be a cornerstone of any business plan in Orlando Florida.

Carrying adequate FL small business insurance to protect your Orlando business shouldn't be a question - it's a must if you want to make sure that you don't get put in a position where you have to lose your business or pay money out of pocket to cover expenses associated with a loss.

Many of Orlando's neighborhoods are packed with small businesses that all need FL commercial insurance.

Whether you live in; 33rd Street Industrial, Airport Executive Plaza, Airport North, Airport South, Andover Lakes, Apopka Vineland Road Townhouses, Arbor Ridge, Arden Villas, Audubon Park, Azalea Park, Baldwin Park, Bay Hill Condominium, Bay Run Gardens, Bear Lake, Beaumont, Bel Air, Bellanona Grand Estates, Blackton, Boggy Creek, Boggy Creek Enclave, Boulevard Trust, Briarwood, Bryn Mawr, Buckingam at Lakeville Oaks, Buena Vista, Buena Vista Shores, Busch, Callahan, Camelia Gardens, Camino Real, Cannon Gate, Carlie Place, Carolina Florida, Carver Park, Carver Shores, Catalina, Center Lake, Central Business District, Central Florida Parkway, Chatham Village, Clarcona Grove, Clear Lake, College Park, Colonial Town Center, Colonialtown North, Colonialtown South, Conway, Conway Road, Copley Square, Corner Lakes, Country Club Oaks, Country Club Villas, Country Club Villas, Countryside, Couples Glen, Courtland Street, Covered Bridge, Covered Bridge, Coytown, Craig Groves, Crescent Park, Crossroads, Crown Lake Eve Apartments, Cypress Chase North, Cypress Creek, Cypress Fairway, Cypress Lakes, Cypress Point, Cypress Walk, Danielle Woods, Dean Road Condos, Dean Road Pd, Dean Woods, Deerwood Landings, Delaney Briercliff, Delaney Park, Dixie Bell, Dover Estates, Dover Manor, Dover Shores East, Dover Shores West, Downtown Orlando, Eagle Creek, Eagles Nest, East Central Park, East Park, Eastmar Commons, Eastpoint Center, Eastwood, Econ Landing, Englewood Park, Eola Place, Esplanade Center, Eunice Avenue, Fairground Estates, Fairview Pointe, Fern Creek, Fieldstream, Florida Center, Florida Center North, Florida Mall, Fountainbrook, Fountains at Narcoossee, Fountains at Waterford Lakes, Four Corners, Gaines Way Plaza, Gardens, Godwin, Goldenrod Center, Golfview Villas, Goodings Plaza, Grand Cypress, Grand Oaks, Grand Vista Village, Green Project, Greenway, Greenwood, Groves, Hampton Park, Hanging Moss, Haralson Estates, Harbor Bend, Hawthorne Groves, Hiawassee Lake Shores, Hiawassee Woods, Hibiscus, Hidden Pond, Hidden Valley, High Point, High Point of Orlando, Highland, Highland Lakes, Holden Heights, Horshoe Lake Estates, Hospitality Center, Huckleberry, Hughes Square, Interlaken, International Commerce Center, International Drive Plaza, Isles of Buena Vista, Jackson Condominium, John Young Crossings, Johnson Village, Kellogg Estates, Kensington Club, Kingsland Grande, Kirkman North, Kirkman South, Kyngs Heath Condos, LaVina, Lake Adair Place, Lake Bryan Shoppes, Lake Bryan Square, Lake Cherokee, Lake Como, Lake Conway Townhomes, Lake Copeland, Lake Dot, Lake Eola Heights, Lake Eve, Lake Fairview, Lake Formosa, Lake Fredrica, Lake Hart, Lake Hiawassee, Lake Highland, Lake Holden, Lake Lawsona Place, Lake Mann Estates, Lake Mann Gardens, Lake Nona, Lake Park, Lake Picket Center, Lake Richmond, Lake Richmond Centre, Lake Sherwood Hills, Lake Sherwood Village, Lake Shore Village, Lake Sparling, Lake Sunset, Lake Terrace, Lake Underhill, Lake Underhill, Lake Vista Village, Lake Weldona, Lakeside at Delaney Park, Lancaster, Lancaster Park, Le Grande International, Le Royal, Little Sand Lake, Live Oak Estates, Lorna Doone, Lost Lake Village, Maitland Crossing, Maitland Summitt, Malibu Groves, Mariner's Village, Meadow Woods Cove, Mercy Drive, Metro West, Metrowest, Millenia, Millenium Parc, Monterey, Moonlight Bay, New Malibu, North Orange, Orlando Executive Airport, Orlando International Airport, Orwin Manor, Palomar, Park Central, Parramore, Pershing, Pineloch, Princeton, Richmond Estates, Richmond Heights, Rio Grand Plaza, Rio Grande Park, Rio Pinar Plaza, Riverside Acres, Rock Lake, Roosevelt Park, Rose Isle, Rosemont, Rosemont North, Rouse Run, Rowena Gardens, Royal Estates, Royal Pines, Ruby Lake Ranch, Rugby Street Office Park, Salisbury, San Lorenzo, Sand Lake Commons, Sand Lake Estates, Sand Lake Groves, Sand Lake Mobile Home Park, Sand Lake Plaza, Sand Lake Point, Sand Lakes Estates, Scottish Glenn, Seaboard Industrial, Semoran Cross Road, Shadow Pines, Shadowood, Shops of Lake Avenue, Signal Hill, Silver Pines, Sky Lake, Somerset Chase, South Chase, South Division, South Eola, South Orange, South Park, South Semoran, Southern Oaks, Southgate, Southland Executive Park, Southport, Spring Isle, Spring Lake, Stonebridge, Stonemead, Stoneybrook, Straw Ridge, Sunflower Trail, Sutton Ridge, Tanner Road, The Dovers, The Fountains, The Rialto, The Terrace at Federal Square, The Veranda, The Villages at Waterside, The Villages of Camelot, The Villas at Cypress Springs, The Willows, Thornton Park, Thornton Park Central, Thornton Place Townhomes, Timberleaf, Tinwood, Tivoli Woods, Trails Neighborhood Retail Center, Tree Lane, Turkey Lake, Union Park Condominiums, University Center Park, University College Center, University Pines, University Professional Center, University South, University Terrace, Valencia College Lane, Valencia Community College, Ventura, Village Townhomes, Villages at Moss Park, Villages of Southport, Villas at Bay Hill, Vineland Pointe, Vinings at Cypress Point, Vista East, Vista Lakes, Vista Palms, Vista Way, Vistana, Voa Nerbonne, Voa-Nerbonne, Wadeview Park, Walker Cove, Walker Estates, Washington Shores, Waterford Chase, Waterford Commons, Waterford Lakes Office Park, Waterford Park, Waterford Trails, Wateroods, Watson Center, Weber Lakes, Wedgewood Groves, Wellesley, Wesco Square, West Colonial, West Oaks Square, West Orange Center, West Side Plaza, Westfield, Westland Terrace, Westridge Executive Park, Westwood, Wetherbee Acres, Wilderness Creek, Williamsburg, Willow Creek, Windermere Ridge, Windermere Village Centre, Windhover, Windsor Services Office Building, Winegard Road South or another neighborhood - here you can find more information about Orlando Florida small business insurance to understand the types commercial insurance policies you may need.

Is Orlando A Good Place To Start A Business?

If you are thinking of starting a business in Orlando Florida, below is some relevant demographic and economic information for your consideration:

Orlando Demographics Orlando Details
StateOrlando is in the state of: Florida.
CountyOrlando is in: Orange County, FL.
PopulationOrlando has an estimated population of: 1,822,394 people.
Population DensityOrlando has an estimated population density of: 1003 per square mile.
AgeOrlando has a median age of: 33.8.
Household IncomeOrlando has an estimated median household income of: $51,757.
Home ValueOrlando has an estimated median home value of: $238,013.
RentOrlando has an estimated median rent cost of: $1,196.
Unemployment RateOrlando has an estimated unemployment rate of: 5.4.
Female / MaleOrlando is an estimated: 52% Female and 48% Male.
RaceOrlando is an estimated: 61.3% White, 24.5% Black, 4.2% Asian, 32.6% Hispanic, 3.5% Multi-race, 0.2% Native American, 0% Pacific Islander and 6.2% Other.
Time ZoneAmerica/New_York.
Zip Code(s)32829, 32827, 32824, 32822, 32804, 32805, 32806, 32807, 32801, 32803, 32808, 32839, 32835, 32832, 32819, 32811, 32814, 32812, 32802, 32853, 32854, 32856, 32861, 32862, 32872, 32877, 32885, 32886, 32891, 32896, 32897.

If you want more information on business insurance requirements for Orlando - you can reference the: Orlando Business Development Division.

You can skip to the following types of Orlando Florida small business commercial insurance using these links:

Orlando Florida Small Business Insurance General Information:

Is Business Insurance Required In Orlando Florida?

Made In Florida

Florida only requires two types of commercial insurance policies - and only under specific circumstances:

  • Workers Compensation: Florida companies which do not work in construction must purchase workman's comp insurance if they have 4 employees or more. Companies who do work in construction must purchase workman's comp insurance if they have even one employee.
  • Business Auto: If your Orlando FL small business uses vehicles for commercial purposes, you are also required to purchase business auto insurance.

Any other policies and coverages are optional for the business to purchase. There is not one small business insurance policy that covers every risk. There are different commercial insurance policies that cover various accidents, damages and lawsuits that could financially devastate a Orlando area small business without the right protection. Some of the most common risks businesses face are covered in these policies.

How Much Does Small Business Insurance Cost In Orlando?

Following is a list of the main factors that determine the costs of small business insurance in FL:

  • Claims History - Similar to auto insurance, more claims can mean higher costs. If you have claims on your policy, your premium will typically increase.
  • Deductibles - Like medical insurance, lower deductibles for Florida small business insurance mean higher premiums. If you raise your deductibles (out-of-pocket costs), your premium will usually decrease.
  • Employees - The more people working for your company typically translates into higher insurance costs.
  • Experience - A business with more experience can often get lower premiums that newer businesses with less experience.
  • Gross Sales - The more revenue you have, the higher your premium can be. So if your small business earns less than $30,000 annually, your premiums may be lower than a larger corporation that earns more than $2,000,000.
  • Industry - If you own a white collar business like an accountant, your premiums can be lower than a roofing company, where the potential risks for bodily injury and property damage are higher.
  • Location - Your Orlando zip code can have a significant impact on your premium.
  • Policy Limits - When you buy a policy, you can decide how much coverage you want, and you typically will pay more for higher limits. For example, a general liability policy with a $1,000,000 limit per claim will cost more than one with a $300,000 limit.

What Types Of Commercial Insurance Do I Need In Orlando?

Orlando Florida Map
Orlando FL map © OpenStreetMap contributors

Every small business in Orlando, FL has different needs and costs and coverages are different for each industry and FL region. Here is an easy risk assessment you can use to determine what kinds of insurance you may require.

While not an exhaustive list, to properly protect your Orlando business against lawsuits - consider these additional policies that fall under commercial property and/or casualty insurance:

If you have a brick-and-mortar location in Orlando

Then you need several kinds of basic commercial insurance policies at the minimum:

General Liability
Orlando Florida Small Business Commercial General Liability Insurance

This protects you if someone gets hurt on your property. For example, if someone slips and falls because you didn't fix a stair railing fast enough then this policy will pay up to policy limits. It will also protect you if a criminal attacks someone on your property, since property owners can be sued for failing to provide adequate security.

While you will also want to keep your property in good repair while providing good security, the truth is anyone can be sued regardless of whether or not they do a good job of keeping their property in good condition.

You don't have any control over the ultimate cost of injuries to a person injured because of your operations, products, or services. The person injured may be a toddler, a contractor, an accountant, or a homemaker.

The cost of the injuries may be comparatively minor or run into the millions of dollars, depending on the person and the extent of his or her injuries. This is why you need the right amount of Orlando Florida small business insurance.

Commercial general liability insures the bodily injury liability, property damage, and personal and advertising injury liability exposures of a variety of Orlando commercial businesses, enterprises, and ventures.

What Is Covered - Florida general liability insurance protects your assets in several ways:

  • Liability coverage for bodily injury and property damage insures your legal obligations that arise from an accident. It also includes the costs related to lawsuits and other legal proceedings. The limits of insurance should be sufficient to handle serious injuries and the injured person's loss of earnings.
  • Liability coverage for damages due to personal and advertising injury insures your legal obligations that arise from an offense. It also includes the costs related to lawsuits and other legal proceedings. The limits of insurance should be sufficient to handle serious injuries and the injured person's loss of earnings.
  • Medical Payments coverage pays the cost of medical care to persons injured on your premises or due to your operations, regardless of fault.

Each of these Florida small business insurance coverages is subject to certain policy exclusions, conditions, and definitions. Following a few examples of how a CGL policy can cover third-party bodily injuries, third-party property damage, and advertising injuries;

  • A visitor slips and falls on a wet floor in your Orlando restaurant.
  • A tree trimmer accidentally drops a tree on a customers home.
  • A competitor sues your business over an ad that was published that disparages them, damaging its reputation.

In Orlando, many small businesses may find that CGL isn't enough. Many CGL policies will not cover certain types of lawsuits like those relating to professional errors, negligence and employee disputes.

That's why you'll need another additional piece of insurance that protects the other half of your business. An independent insurance agent is the best person to help you determine what type of liability coverage is needed.

Commercial Property
Orlando Florida Small Business Commercial Property Insurance

This helps you repair your property after fire, vandalism, storm damage, or other calamities. You'll also want business property insurance. This is the policy that protects all of your furniture, fixtures, equipment, and inventory. It can be difficult to do business without these items, so make sure they're covered!

The primary goal of any small business insurance program is to protect the insured's real and business personal property. Tangible property usually represents a significant portion of its total assets, regardless of the size of the business.

Protecting your real and personal property is an important element of your insurance program. No matter the size of your business, a large percentage of your assets and resources are tied directly to your property. A commercial property program can provide the coverage you need if a loss should occur.

Covered Building

When there is a limit of insurance for building on the declarations, the building or structure in Orlando listed and described is covered property. The following is also considered covered building property:

  • Additions under construction, alterations, and repairs that other insurance does not cover. The materials, equipment, supplies, and temporary structures that are on or within 100 feet of the premises and used to make the additions, alterations, or repairs are also building.
  • Completed additions
  • Fixtures. This includes outdoor fixtures.
  • Permanently installed machinery and equipment
  • Personal property the insured owns and uses to service or maintain the building or premises

Covered Personal Property

When there is a limit of insurance for personal property on the declarations, coverage applies to the following property if it is inside the building or structure at the designated premises. It is also covered if it is outside the building or structure but within 100 feet of the building or premises. Such personal property outside can be either in the open or in or on a vehicle.

  • All other personal property the insured owns and uses for business
  • Furniture and fixtures
  • Labor, materials, or services the insured furnishes or arranges on personal property of others
  • Leased personal property the insured has a contractual responsibility to insure
  • Machinery and equipment
  • Stock
  • The insured's interest in any improvements and betterments it made or acquired if the insured is a tenant

Covered Personal Property Of Others

Personal property of others is covered when there is a limit of insurance on the declarations but only when:

  • It is in the insured's care, custody, or control.
  • It is either inside the building or structure at the listed and described premises or outside within100 feet of the building or premises in either the open or in or on a vehicle.
  • The insurance company pays for loss or damage to personal property of others for only the account of that property's owner.

Business Owner's Policy

The BOP or Business Owner's Policy mainly combines business property and liability insurance into a single policy (similar to a homeowners policy but for businesses). The BOP is meant to help protect a business from various types of harm like burglary, fire and disasters.

Usually, businesses in Orlando that have a physical location should consider this type of insurance if they qualify. Often Business Owner's Policies are cost effective because of the bundling of polices.

If anything, you can get sued by clients or customers if they get hurt in your place of business, which is why this policy is so important.

If you have employees in Orlando FL
Orlando Florida Small Business Workers Compensation Insurance

You will need workers compensation insurance in Florida. It's the law, and it prevents you having to engage in costlier personal injury suits later.

You required to get FL workers comp have more than three employees. But there are exceptions to this. That's why it is always a good idea to speak to a local insurance agent.

The Workers Compensation and Employers Liability Insurance Policy covers your statutory liability as an employer under FL workers compensation laws. It pays for medical treatment because of injuries and indemnity payments for employees disabled by work-related accidents.

It also provides tort liability coverage for legal actions brought against you for bodily injuries to your employees that fall outside state workers compensation laws.

Workers' Compensation is insurance coverage purchased by the employer/business that provides benefits for job-related employee injuries. Under a workers' compensation policy, employees are compensated for occupationally incurred injuries, regardless of fault. This coverage makes employers immune from some injury lawsuits by employees.

There are times when the employed worker's injury is not compensable under workers compensation or occupational disease laws. In those cases, Employers Liability coverage responds to the injured worker's allegations of negligence on the employer's part, subject to its terms, conditions, limitations, and exclusions.

The coverage the basic policy provides may be broadened, restricted, clarified, or made to comply with specific FL regulatory requirements by using a variety of available endorsements.

You will also want to look at Employment Practices Liability Insurance, or EPLI. This type of insurance will pay your claim if an employee successfully launches a wrongful termination, discrimination, workplace harassment, or retaliation claim.

You will also want liability that covers your directors, officers, and managers in the event that they engage in some form of wrongdoing. Each of these people can be personally sued, and they can take actions which trigger company lawsuits, too. This can include sexual misconduct liability insurance: the sad, yet true, reality is that this kind of abuse can and does continue to take place in the workplace.

If your business uses vehicles in Orlando Florida
Orlando Florida Small Business Auto Insurance

You'll need FL commercial auto insurance. Traditional passenger vehicle insurance doesn't pay for accidents when a vehicle is being used for business purposes.

In addition, business auto insurance policies can have much higher policy limits. This can make a big difference in a personal injury case. Lawyers tend to sense deep pockets when the vehicle in question was a commercial vehicle, and juries tend to be less sympathetic of corporate drivers. Thus, personal injury award amounts can be higher, and you might well need those limits.

Keep in mind you don't need to maintain a whole fleet of vehicles to need this insurance. You may well need it even if you are only using your personal vehicle for business purposes.

The person injured in a Orlando auto accident may be a young child, a wage earner, a surgeon, or a homeless person. The costs of the accident may be relatively small or run into the millions of dollars, depending on the victim and his or her injuries. Florida commercial auto insurance helps protect your business if you hurt a person or damage their property.

What Is Covered - Florida business auto insurance protects your assets in several ways:

  • Covered auto liability coverage insures your legal obligations that arise from an accident, including lawsuits and their associated costs. The limits you purchase should be high enough to handle the potentially serious injuries and loss of earnings a victim may sustain.
  • Uninsured and underinsured motorists coverages protect you when you are involved in an accident caused by a driver who has no insurance or insurance with relatively low limits. The limits you select for this coverage should be the same as your liability limits.
  • Physical damage coverage on vehicles directly protects your assets. Comprehensive, Specific Causes of Loss and Collision are the coverage options available. Deductibles should be as high as you can comfortably absorb to maximize the protection provided relative to the premium cost.
  • Medical payments coverage and towing expense costs for private passenger vehicles are other optional coverages to consider

If you provide any kind of advice
Orlando Florida Small Business Professional Liability Insurance

Then consider Errors and Omissions insurance coverage alos known as Professional Liability. Doctors, lawyers, accountants, insurance agents, and even event planners can all benefit from having this type of insurance.

Anyone can make a mistake, but in some industries bad advice leads to disastrous financial consequences. If you are sued and the plaintiff wins, the E&O policy will pay your settlement up to policy limits.

Errors and omissions (E&O), is a type of professional liability coverage that protects your company against claims that a professional service you provided caused your client to suffer financial harm due to mistakes you made (errors) or because you didn't perform some service (omissions).

Professional liability can cover the legal costs of defending your company in a civil lawsuit and some damages if awarded, even if you haven't made a mistake. E&O coverage is not included in a general liability insurance policy.

If your business:

  • Provides a professional service
  • Gives advice to clients
  • Is contractually required to carry

You should probably purchase an errors and omissions policy. Common claims that E&O covers are negligence, misrepresentation, violation of good faith and inaccurate advice.

In the medical and legal professions, professional liability is called malpractice insurance.

If you spend time interacting with client computer systems, or take personal data from your customers

Consider cyber liability insurance. Cyber liability helps with two problems. First, it will take care of any financial losses you suffer as a direct result of the cyber attack. The second will help you if you get sued for the hacker's actions.

We can't all be cybersecurity professionals, and most of us are as respectful with customer data as possible. Yet hackers are always coming up with new ways to cause problems for honest businesses.

Cyber liability insurance helps your Orlando business deal with the costs of data breach and recovery by helping to pay for:

  1. Security Breach Expense - Loss that is the direct result of a security breach.
  2. Extortion Threats - Loss that is the direct result of an extortion threat.
  3. Replacement or Restoration of Electronic Data - Loss to stored computer programs or electronic data within a computer system.
  4. Business Income and Extra Expense - Loss that is the result of an interruption is covered when it is a direct result of a cyber incident or extortion threat.
  5. Public Relations Expense - Loss that is the result of negative publicity is covered when it is a direct result of a cyber incident or security breach.
  6. Security Breach Liability - Loss that is the result of a claim which is discovered during the policy period is covered if the insured is legally obligated to pay it and was due to a wrongful act that takes places before the end of the policy period.

Other Orlando Business Insurance Considerations

The industry you are in can make a huge difference here. For example if you are a contractor in Orlando you might want special contractor's insurance. If you run a daycare you might want childcare insurance.

The best way to make sure you get the right mix of coverages is to form a relationship with a licensed florida insurance broker who you trust. That way you get insight into problems other SMBs like you have faced in the past, and can select the right policies to address these risks.

In addition, a FL broker can help you shop around and take advantage of discounts, lowering your overhead and ensuring insurance never takes too big of a bite out of your budget.

How Do I Contact The Florida Insurance Commissioner?

You can visit https://www.floir.com, or write:

Florida Office of Insurance Regulation
200 East Gaines Street
Tallahassee, FL 32399

You can also call the office at (850) 413-3140.

FL Small Business Insurance By Industry And/Or Type

Select the Florida general industry or small business insurance type link below to find more detailed information on coverage, costs, exclusions and more:

Advertising, Marketing and Media

Learn about Florida media liability insurance - a specialized form of professional liability insurance that provides protection for legal claims brought by third parties.


Learn about FL agribusiness insurance - a type of commercial insurance protects farmers against loss of, or damage to crops or livestock.

Arts and Recreation

Read up on Florida arts and recreation commercial insurance.

Auto Sales, Service and Repair

Read about Florida auto sales, service & repair insurance, which provides protection for damages done to customers vehicle's and other property as well as injuries resulting from the work done.


Learn about FL aircraft and aviation liability insurance - a specialized form insurance that provides coverage for hull losses as well as liability for passenger injuries, environmental damage and third-party damage caused by aircraft accidents.


Learn about surety and fidelity bonds which are types of insurance that are used to protect against damage or loss in commercial transactions.

Children and Pets

Discover what Florida commercial insurance policies cover for children and pet related businesses.

Commercial Property

Read up on Florida commercial property insurance, including how business property insurance protects your company's building's and/or their contents from damage, destruction, theft and vandalism.

Construction Contractors

Learn about Florida construction contractors insurance, including how much the premium costs and what is covered - and how commercial insurance can help protect your FL construction business from lawsuits.

Contractors and Home Improvement

Learn about Florida contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your FL business from lawsuits.

Education, Colleges, Universities & Schools

Learn about Florida commercial insurance for educators that helps protecting your professional reputation and other legal liabilities arising from your educational services.

Financial Institutions

Discover the types of commercial insurance that banks, finance companies and other Florida financial institutions need to protect their asset management, deposit, lending, investment and other operations.

Food and Drink

Learn about Florida restaurants, bars, liquor stores commercial insurance coverages. See how food service insurance help protect against accidents, oversights and lawsuits resulting from business operations.

Health and Beauty

Learn about Florida health and beauty insurance coverages that help protect tattoo artists, salons, spas, estheticians, cosmetologists, barbers, hairdressers, nail salons and more from legal liability.

Information Technology and Internet

Learn about Florida IT technology insurance policies that help protect IT businesses, consultants & subcontractors from the unique risks that small tech businesses face when they work.

Lodging Places

Find out what types of business insurance that Florida hotels, motels and other lodging places should have to protect their varied operations.

Local, State And Federal Government

Discover what types of commercial insurance government entities in Florida need.


Learn all about Florida manufacturing insurance. Manufacturers face many unique risks such as product liability and/or product recall exposures due to the nature of their business operations.

Marine, Boat And Watercraft

Discover what types of commercial insurance government entities in Florida need.

Medical and Dental

Discover Florida business insurance for medical and dental professionals. Medical malpractice insurance is a type of professional liability that protects health care professionals from liability causing in bodily injury, medical expenses and property damage.


Find informative articles on miscellaneous FL businesses including the types of commercial insurance they need, costs and other considerations.


Find useful articles on business insurance for Florida non-profit 501(c)(3) organizations, charities and associations.

Professional Services

Get informed about Florida professional services insurance, including Professional liability, aka errors and omissions (E&O insurance), that protects your business against claims that a professional service you provided caused your client financial loss.

Real Estate

Learn about Florida real estate insurance coverages including liability and commercial property policies for realtors, mortgage companies and more.


Read valuable Florida retail insurance policy information. In a retail business, you need to have the right type of commercial insurance coverage so that your store, employees, and inventory are protected.

Small Business Commercial Auto

Learn about Florida commercial auto insurance which includes liability and physical damage protection for vehicles that are used for business purposes.

Small Business

Protect your company and employees with FL commercial insurance. Read informative articles on Florida small business insurance coverages - and how they can help shield your company from legal liabilities.

Sports and Fitness

Learn about Florida sports & fitness insurance policies and what they cover so that your customers, employees, and equipment are protected.

Warehouse and Storage

Learn about Florida warehouse and storage insurance - which protects storage and warehouse facilities and protects their inventory from property damage from fire and weather, vandalism and theft and liability coverage as well.

Wholesale and Distribution

Read informative articles on Florida wholesale distribution insurance. Distributors and wholesalers face specific risks including fire, flood and weather damage that can destroy products in the distribution center - and every part of the supply chain including late supplier shipments to unpaid invoices - can effect the entire operation.

Florida Specific Commercial Insurance Articles

Read informative articles on FL commercial insurance including costs and coverages.

Request a free Orlando Florida small business insurance quote, or in these other FL cities: Altamonte Springs, Apopka, Aventura, Boca Raton, Bonita Springs, Boynton Beach, Bradenton, Cape Coral, Casselberry, Clearwater, Clermont, Coconut Creek, Cooper City, Coral Gables, Coral Springs, Crestview, Cutler Bay, Dania Beach, Davie, Daytona Beach, DeLand, Deerfield Beach, Delray Beach, Deltona, Doral, Dunedin, Edgewater, Fort Lauderdale, Fort Myers, Fort Pierce, Gainesville, Greenacres, Haines City, Hallandale Beach, Hialeah Gardens, Hialeah, Hollywood, Homestead, Jacksonville Beach, Jacksonville, Jupiter, Key West, Kissimmee, Lake Worth, Lakeland, Largo, Lauderdale Lakes, Lauderhill, Leesburg, Margate, Melbourne, Miami, Miami Beach, Miami Gardens, Miami Lakes, Miramar, New Smyrna Beach, North Lauderdale, North Miami Beach, North Miami, North Port, Oakland Park, Ocala, Ocoee, Orlando, Ormond Beach, Oviedo, Palm Bay, Palm Beach Gardens, Palm Coast, Palmetto Bay, Panama City, Parkland, Pembroke Pines, Pensacola, Pinellas Park, Plant City, Plantation, Pompano Beach, Port Orange, Port St. Lucie, Riviera Beach, Rockledge, Royal Palm Beach, Sanford, Sarasota, Sebastian, St. Cloud, St. Petersburg, Sunny Isles Beach, Sunrise, Tallahassee, Tamarac, Tampa, Tarpon Springs, Temple Terrace, Titusville, Venice, Wellington, West Palm Beach, Weston, Winter Garden, Winter Haven, Winter Park, Winter Springs and all other FL cities & Florida counties near me in The Sunshine State.

Learn about Florida small business insurance requirements for general liability, business property, commercial auto & workers compensation including FL business insurance costs. Call us (954) 399-3996.

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