Insurance Priced for What Your Business Actually Does
General liability, a business owner's policy, and workers' compensation compared across carriers that actually rate by industry - not a generic small-business rate that doesn't fit a contractor any better than a consultant.
Coverage
Coverage that fits what you actually do all day
Contractors & Trades
General liability, tools & equipment, and workers' comp built around jobsite risk - most Florida construction businesses need coverage from their very first employee.
Retail & Storefront
A business owner's policy pairing property and liability coverage for foot traffic, inventory, and a physical location customers walk into every day.
Professional Services
Errors & omissions coverage for consultants, accountants, real estate agents, and other advice-driven businesses where a mistake can mean a lawsuit, not just a refund.
Restaurants & Hospitality
Liquor liability, spoilage, and equipment breakdown coverage layered onto property and liability for businesses juggling food, staff, and constant foot traffic.
Home-Based Businesses
A standard homeowners policy usually excludes business activity entirely - even a small home-based operation needs its own liability and equipment coverage.
Three policies almost every Florida business needs
General Liability
Covers third-party bodily injury, property damage, and advertising injury claims - a customer slipping in your store, a contractor damaging a client's property, a defamation claim over marketing copy. It's the baseline most landlords, clients, and contracts require before you can even operate.
Business Owner's Policy (BOP)
Bundles general liability and commercial property coverage into a single, typically discounted package for qualifying small businesses - protecting your building, equipment, and inventory alongside your liability exposure in one policy instead of two.
Workers' Compensation
Florida law requires workers' compensation for construction businesses with just one employee, including owners in many cases, and for non-construction businesses once they reach four or more employees. Exemptions exist for some sole proprietors and corporate officers, but the rules are specific enough that it's worth confirming your exact obligation rather than assuming.
Worth considering, depending on your business
What actually drives your premium
There's no single "small business insurance cost" - here's what carriers are actually pricing when they quote your business.
Industry & class code
A roofing contractor and a bookkeeper are rated on entirely different risk scales, even at the same revenue.
Payroll & revenue
Workers' comp is priced largely off payroll; general liability and BOP pricing often scales with revenue or square footage.
Claims history
A clean claims history is one of the biggest levers you have at renewal - and one of the easiest to lose track of across multiple past carriers.
Location
Florida's storm exposure affects commercial property pricing the same way it affects homeowners pricing, and it varies block by block near the coast.
Coverage limits & deductibles
Higher limits and lower deductibles cost more - the right balance depends on what your contracts and landlords actually require versus what you can comfortably self-insure.
Small Business Insurance FAQ
Does my small business in Florida legally need workers' compensation insurance?
It depends on your industry and employee count. Construction businesses in Florida generally need workers' compensation coverage once they have just one employee, including the owner in many structures. Non-construction businesses generally need it once they reach four or more employees. Some sole proprietors and corporate officers can file for an exemption depending on their business structure, so it's worth confirming your specific obligation rather than assuming you're exempt or covered.
What's the difference between general liability and a business owner's policy (BOP)?
General liability covers third-party injury, property damage, and advertising injury claims on its own. A BOP bundles that same general liability coverage with commercial property coverage - your building, equipment, and inventory - into one package, usually at a discount versus buying both separately. Not every business qualifies for a BOP; it depends on size, industry, and revenue.
I run my business from home - do I need commercial insurance?
Almost certainly, yes. Standard homeowners policies typically exclude business-related liability and business property entirely, even for a small home-based operation. A separate business policy - which can often be a simpler, lower-cost endorsement for very small home-based businesses - fills that gap.
How much does small business insurance cost in Florida?
It varies significantly by industry, payroll, revenue, claims history, and location - a home-based consultant and a five-person roofing crew are priced on completely different scales. Rather than quote a generic number that won't apply to your situation, we compare your specific business against multiple carriers to find an accurate price, not an estimate.
Get a quote priced for your actual business
Tell us what you do and how you're staffed - we'll compare carriers that actually fit.
Get a Business Insurance QuoteOr call us directly at (863) 606-5147