Get Your Free Business Quote
Small and mid-market employers in Florida sit across a wide industry mix — South Florida runs heavy on hospitality, professional services, marine, and aviation support; the Tampa Bay metro leans logistics, healthcare, and construction; Central Florida concentrates tourism, distribution, and tech; and the North Florida and Panhandle markets pull from agriculture, military contracting, and the port economies of Jacksonville and Pensacola. Florida First Insurance of Broward writes the commercial package, BOP, and monoline lines that fit those operations.
Most accounts under $5M in revenue place cleanly with admitted standard markets — Hartford, Travelers, CNA, Liberty Mutual, Nationwide, and the regional Florida specialists. Above that, or with adverse loss history, we go to the E&S/surplus-lines side. Class-code accuracy on the workers compensation piece and correct property valuation (RC vs ACV, blanket vs scheduled) are where audit surprises and coinsurance penalties usually start.
Commercial accounts bind across Broward, Miami-Dade, and Palm Beach in the southeast; Collier and Lee on the southwest coast; Sarasota, Manatee, Hillsborough, Pinellas, and Pasco in the Tampa Bay region; Polk, Orange, and Seminole through the I-4 industrial corridor; Brevard and Volusia along the Space Coast; Marion and Alachua through the gateway region; Duval at the St. Johns; and Leon and Escambia in the Panhandle.
Business owners can request quotes from Miami, Fort Lauderdale, West Palm Beach, Boca Raton, Fort Pierce, Port St. Lucie, Palm Bay, Melbourne, Titusville, Daytona Beach, Jacksonville, Gainesville, Ocala, Orlando, Lakeland, Winter Haven, Tampa, St. Petersburg, Clearwater, Sarasota, Bradenton, Fort Myers, Cape Coral, Punta Gorda, Naples, Pensacola, Fort Walton Beach, Panama City, and Tallahassee.
What Does Business & Commercial Insurance Cover?
- General Liability — Covers third-party bodily injury, property damage, and advertising injury claims against your business.
- Commercial Property — Protects your business property, equipment, inventory, and office contents from fire, theft, storms, and other perils.
- Business Owner's Policy (BOP) — Bundles general liability and commercial property into one affordable policy — ideal for small businesses.
- Workers' Compensation — Covers employee medical expenses and lost wages for work-related injuries. Required in Florida for most employers with 4+ employees.