Florida business owners work hard to build and grow their companies, and the right commercial insurance helps protect that investment. From vehicles and buildings to equipment and employees, a comprehensive coverage plan can reduce the financial impact of unexpected accidents or claims.

The sections below highlight some of the core commercial insurance options that many Florida businesses consider as part of their overall risk management strategy.

Commercial Auto Insurance

Any vehicle used for business purposes should be insured on a commercial auto policy. A personal auto policy generally does not extend to business-related activities or business-owned vehicles. If your company uses cars, vans, or trucks for deliveries, client visits, or job-site travel, commercial auto insurance helps cover accidents, damage, and liability that arise from those operations.

Commercial General Liability Insurance (CGL)

Commercial general liability insurance helps protect your business if it is held responsible for injuries or property damage to others. Claims such as slip-and-fall incidents, damage to a customer’s property, or certain advertising and personal injury claims may be covered under a CGL policy. For many businesses, this policy forms the foundation of their overall liability protection.

Commercial Property Insurance

Commercial property insurance is designed to protect the physical assets of your business. This can include your building, office improvements, equipment, furniture, and inventory. Covered causes of loss may include events like fire, theft, and certain types of wind or storm damage that affect your business location or contents. If your company has a storefront, warehouse, or office space, commercial property insurance is an important part of your coverage plan.

Workers Compensation

Workers compensation insurance helps provide benefits to employees who are injured or become ill in the course of their work. These benefits can include medical expenses and a portion of lost wages. In Florida, many employers are required by law to carry workers compensation coverage once they reach certain employee thresholds, and it can also extend to part-time or temporary workers depending on the policy and business type.

Business Owner Package (BOP)

A Business Owner Package, often called a BOP, combines several key coverages into a single, convenient policy for small and mid-sized businesses. A typical BOP may bundle general liability and commercial property coverage, and can be customized to include options such as business income (loss of income after a covered claim) and other protections tailored to your industry.

Working with an independent agency like ArmorSafe Insurance allows Florida business owners to review quotes from multiple top-rated carriers. This makes it easier to compare coverage, limits, and pricing so you can choose a commercial insurance program that fits both your risk and your budget.