Commercial Lines Insurance

Bundled protection for small and mid-size businesses.

A Business Owner Policy (BOP) combines general liability and commercial property coverage into one affordable package. It's the smart starting point for most small businesses — protecting your building, equipment, inventory, and liability in a single policy.

• General liability included
• Commercial property coverage
• Business interruption protection
• Equipment & inventory coverage
• Affordable bundled pricing

Coverage for every vehicle your business puts on the road.

Personal auto policies don't cover vehicles used for business. Whether you have one work truck or a full fleet, we find the right commercial auto coverage — including liability, collision, comprehensive, and hired/non-owned auto for employees using their own vehicles.

• Single vehicles & fleets
• Liability & collision
• Comprehensive coverage
• Hired & non-owned auto
• Florida commercial requirements

Your first line of defense against third-party claims.

General liability insurance protects your business from claims of bodily injury, property damage, and personal injury caused by your operations, products, or employees. It's often required by landlords, clients, and licensing boards — and essential for any business that interacts with the public.

• Bodily injury coverage
• Property damage liability
• Products & completed operations
• Personal & advertising injury
• Required by most contracts

Protect your employees — and your business — on the job.

Florida law requires most employers to carry workers' compensation insurance. It covers medical expenses and lost wages for employees injured on the job, and protects your business from costly lawsuits. We help you find competitive rates and stay compliant with Florida's requirements.

• Required by Florida law
• Medical expense coverage
• Lost wage replacement
• Employer liability protection
• Competitive rates for all industries

Protect the physical assets your business depends on.

Commercial property insurance covers your building, equipment, furniture, inventory, and other physical assets against fire, theft, vandalism, and weather events. In Florida's storm-prone environment, having the right property coverage is critical for business continuity.

• Building & structure coverage
• Equipment & inventory
• Business personal property
• Hurricane & wind coverage
• Business interruption add-on

Extra liability protection when standard limits aren't enough.

A commercial umbrella policy provides an additional layer of liability coverage above your existing business policies. For a relatively low premium, you get significant added protection — essential for businesses with higher exposure or contractual requirements for higher limits.

• Extends existing liability limits
• Covers catastrophic claims
• Satisfies contract requirements
• Protects business assets
• Coverage from $1M and up