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Small Business Insurance in Florida

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Recommended insurance policies for small businesses in Florida

General liability insurance

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General liability covers common risks for small businesses in Florida, including customer property damage and injuries. Commercial leases often require this policy.

BEST FOR
  • Customer injuries at your company
  • Damaged customer property
  • Copyright and defamation lawsuits

Errors and omissions insurance

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This policy is also called professional liability insurance. It protects professionals against lawsuits over mistakes, missed deadlines, and oversights.

BEST FOR
  • Work errors and oversights
  • Professional negligence lawsuits
  • Late or incomplete work

Cyber liability insurance

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This policy protects Florida small businesses against data breaches and cyberattacks that affect your business or a client.

BEST FOR
  • Data breach lawsuits
  • Client notification expenses
  • Fraud monitoring costs

Business owner's policy

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This policy bundles property insurance and general liability insurance. It's often the most cost-effective type of commercial insurance for a Florida small business.

BEST FOR
  • Customer injuries
  • Damaged customer property
  • Damaged business property

Workers' compensation

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Workers’ compensation insurance is required for Florida small businesses that have four or more employees. It can cover medical costs for work injuries.

BEST FOR
  • Employee medical expenses
  • Wages lost while unable to work
  • Lawsuits over employee injuries

Commercial auto insurance

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This policy is required for vehicles owned by Florida small businesses. It covers injuries and property damage in an accident, along with other types of damage.

BEST FOR
  • Accidents involving business-owned vehicles
  • Theft of a business-owned vehicle
  • Damage to a company vehicle

Looking for different coverage? Check out our other policies.

What are the insurance requirements for small businesses in Florida?

State laws can affect which 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. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

Vehicles owned by small businesses in Florida must be covered by commercial auto insurance. Florida requires $10,000 property damage liability per accident and $10,000 personal injury protection.

Personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance since personal auto policies usually exclude business use. This coverage can be added to general liability insurance or a business owner's policy.

How much does small business insurance cost?

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Commercial insurance can be affordable for a small Florida company. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
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We specialize in business insurance for Florida IT and technology professionals

Our agents are experts in insurance for Florida technology businesses. They can help you find policies that fit your company and fulfill state requirements. TechInsurance is licensed by the Florida Department of Financial Services 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 number, L067932.

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