COVERAGES
What each coverage actually does — and when a Florida business owner actually needs it. No jargon, no insurance-speak. If you have a question these don’t answer, text or call. That’s what we’re here for.
ESSENTIALS
If you own a Florida business, there’s a strong chance you need some combination of these five.
What it covers: third-party bodily injury, property damage, and personal injury you cause while running your business. The classic example: a customer slips in your store, or you knock over an expensive vase while installing a light fixture at a client’s house.
Who needs it: virtually every business. Landlords, GCs, and franchisors will usually require you to carry it with specific limits and endorsements before you can work with them.
Typical limit: $1M per occurrence / $2M aggregate.
What it covers: medical bills and lost wages if an employee gets hurt on the job. Also protects you from being personally sued over most work injuries.
Florida law: required the moment you have 1+ employee in construction, or 4+ employees in any other industry (full-time, part-time, seasonal, all count). Sole proprietors can usually opt out via a FL exemption filing — we help with that.
How it’s priced: by payroll and class code. A clean class code can cut your premium by 15%+. We get that right the first time.
What it covers: vehicles used for business — owned (your work truck), hired (rentals), or non-owned (your employee driving their personal car for a work errand).
Why your personal auto won’t do it: most personal policies exclude business use. If you’re in an accident while on the clock, your personal insurer can deny the claim.
Trucking is different: if you’re running Class 7-8 vehicles, hauling for hire, or crossing state lines, that’s a different market. Tell us up front.
What it covers: your building (if you own it), your inventory, equipment, furniture, computers, tools. Fire, theft, vandalism, and most weather — though in Florida, named-storm wind is often a separate deductible, and flood is almost always excluded (that’s a different policy).
FL property is a tight market right now. We’ll tell you what the current rates look like for your specific location before we quote.
What it is: GL + property + business income protection, bundled into one policy. Priced lower than buying them separately. Includes a modest built-in coverage amount for things like signage, outdoor equipment, and some crime.
Best for: small businesses with revenue under about $5M, in low-to-medium-risk industries. Not for every class — most contractors and manufacturers need the separate monoline coverages.
SPECIALIST STUFF
Not every business needs these. The ones that do, really do.
What it is: extra liability coverage that kicks in after your underlying GL, auto, or employer’s liability limits are exhausted. Usually sold in $1M increments.
Who needs it: any business with real revenue, employees, or exposure to a single bad lawsuit that could wipe you out. GCs, trucking, hospitality, any business bringing clients onto its premises.
What it covers: response costs after a breach — forensics, legal notice to affected customers, PR, credit monitoring, ransomware. Also third-party liability if customer data gets stolen.
Who needs it: if you store any customer PII (names + emails + addresses + card data), yes. Most carriers now require MFA, backups, and some basic controls to even quote.
What it covers: wrongful termination, harassment, discrimination, retaliation suits from employees or ex-employees.
Who needs it: any business with employees, especially 10+. One bad firing can cost $50K+ in defense costs alone, win or lose.
What it covers: claims that your professional advice or service caused someone financial loss. Different from GL — GL covers physical harm; E&O covers financial harm from your expertise.
Who needs it: consultants, agencies, financial pros, real estate, accountants, IT services, designers, medical and wellness pros.
What it covers: movable business property — tools, equipment, inventory in transit, mobile medical devices, contractor equipment. Covered wherever it goes, not just at your location.
Who needs it: contractors (big one), event companies, mobile services, delivery businesses.
What it covers: claims of abuse or molestation by staff or volunteers against customers, often minors or vulnerable people.
Who needs it: any business working with children or vulnerable adults — gyms with kids’ programs, dance studios, day camps, youth sports, child care, PT, personal training. Most GL policies exclude this — it has to be added by endorsement or placed separately.
What it covers: medical costs for a customer injured while participating in your activity — a gym member who tears an ACL, a yoga student who gets hurt in class.
Who needs it: fitness, martial arts, climbing, equestrian, youth sports, and most other participatory activity businesses.
PAPERWORK HANDLED
Three things most agencies drag their feet on. We don’t.
Standard COIs out same-day. Rush requests before 3pm go out the same hour. We track who holds a certificate so renewals auto-issue to the right parties.
Added to the policy at bind, not after. If a GC or landlord needs to be named with specific wording (CG 20 10 vs CG 20 37, primary & noncontributory, etc.), we know the difference.
Blanket or scheduled, added before you need them. If your GC contract requires a waiver, we handle it in the quote — not scrambling the day of the job.
Pick the coverages you want. We’ll have numbers back inside 24 hours.