Florida Business Insurance
Find out what your business may need, compare prices from leading insurers, and get covered in just minutes.
Insuring over 1 million small business owners worldwide.
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We Know How to Help Protect Florida Businesses
With a favorable tax structure, growing population, and business friendly environment, Florida offers many advantages to new business owners. From business license requirements to workers’ compensation regulations, we can offer local and statewide expertise and guidance to help you insure your new business and continue protecting it as it grows.
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Policies for businesses in Florida
Types of businesses we protect in Florida
More than Six thousand Florida small businesses are insured by Simply Business
Recommended Policies for Florida Small Businesses
Florida business owners often consider these types of coverage.
General Liability
A foundational coverage to cover risks most Florida businesses may face. It also may be required for many leases.
Helps cover
- Third-party bodily injury
- Third-party property damage
- Personal and advertising injury
Workers’ Compensation
Coverage to help take care of employees who get sick or injured on the job. Most Florida businesses with 4 or more employees are required to have Workers’ Comp coverage. It also can benefit business owners without employees.
Helps cover
- Medical payments
- Lost wages
- Rehabilitation expenses
Professional Liability
Also known as Errors and Omission insurance, this policy is often recommended for businesses that provide advice and guidance to their clients. It also can cover errors that result in unsatisfactory finished work.
Helps cover
- Negligence or alleged negligence
- Legal defense costs
- Claims involving libel and/or slander
Business Owner’s Policy (BOP)
General liability, property insurance, and more all in one package. It can be a convenient, flexible, and more affordable solution for small business owners who don’t have a lot of time to search for different coverages, prices, and providers.
Helps cover
- Third-party injuries and property damage
- Business property damage
- Business interruption losses
The Small Businesses We Help Protect in Florida
Top Small Businesses in Florida
Real Estate
Whether you’re competing for listings in the super-hot Miami-Fort Lauderdale-West Palm Beach markets or taking on the unique challenges of Key West, Naples, and Punta Gorda, a lot goes into building a real estate business. Protecting your livelihood from financial risks matters. We can help you find the coverage you need the way you can help buyers find a retirement dream home or sellers get top dollar for their property.
Landscaping
Extreme heat, persistent humidity, and frequent rainfall, as well as sandy soil, pests, and diseases are just some of the risks you may face as a landscaper in Florida’s tropical environment. However, risks also can exist in the business environment. Accidental property damage, employees hurt on the job, and equipment theft can happen suddenly and unexpectedly. We know how to protect Florida landscaping businesses the way you know how to protect Florida plants, trees, and lawns.
Health & Wellness
Pilates instruction in Pensacola. Fitness classes in Fort Myers. Nutrition counselling in Naples. With a significant and growing population, including a large number of retirees, Florida can be a thriving spot for health and wellness businesses. Ensuring the financial health and wellness of your business is what we do best. No sweat, no strain, and no stress.
We insure 400+ types of business.
Helpful Insights from Our Florida Research Team
What types of business insurance are required in Florida?
At the state level, typically, workers’ comp and commercial auto insurance are mandated by law. However, there may be different requirements in the county, city, or town in where you operate.
What’s required vs. what makes sense
Meeting state regulations may not be enough to properly protect your business. For example, workers’ comp is required for any non-construction business employing four or more people and any construction business with at least one employee.
However, let’s say a Fort Lauderdale handyman has an assistant who hurts their back cleaning out a storm-damaged home. The employee is out for weeks and sues the handyman for medical bills and lost wages. Without workers’ comp, the business owner could be on the hook for those costs.
Not your fault? You still may have to pay.
A lawsuit can be costly, even if you successfully defend yourself. A client in Clearwater could claim your consulting work delivered poor results and cost them money. Or the wedding photos you took didn’t sufficiently capture the magic of the Miami couple’s special day. The legal expenses and time away from work involved in a court case can add up to thousands.
Looking to save? Shop around without running around.
Comparing quotes and coverages can save you money, but it typically can cost you time. We’ve designed a fast and easy online compare-and-save tool for Florida business owners. No multiple forms to complete. No high-pressure sales calls. See recommendations in minutes and get covered for most policies the same day.
Looking to save more? Here are some tips.
Two ways to lower your premium are opting for lower coverage limits or higher deductibles. Policies that bundle coverages, such as a business owner’s policy, can also save you money over buying separate policies.
We have more ways to help save on your Florida business insurance in this helpful guide.
Would you like to talk with a Florida insurance expert?
Our team of licensed agents can answer Florida insurance questions, explain coverages, and help you choose what you need. They’re available Monday-Friday: 8 a.m.-8 p.m., ET.
Starting a business in Florida? These resources could help.
Florida Small Business Development Center (SBDC) Network
Provides free or low-cost consulting, training, and resources to help small businesses grow and succeed.
Provides information on starting and running a business in Florida, including business licenses, permits, and regulations.
Information on everything from business licenses to business plans. Provided by the Florida Division of Library and Information Services.
How Much Does Florida Business Insurance Cost?
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Business Insurance
A one-minute explanation
Learn more about policies for Florida small businesses, what they cover, why you might need them, and how we can help — all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners may need. General liability is kind of the Swiss army knife of insurance it can do a lot like help handle cost from third-party accidents property damage bodily injury and more. Nobody’s perfect right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone. We customize the coverage options for what you do and what you need. It’s your business. It should be you insurance as well. That’s why we’re here.
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More Helpful Information for Florida Business Owners
*Actual savings may vary based on the nature of your business, its location, and insurance provider appetite. Savings percentage is calculated using the average price difference of quotes from SB’s panel of insurance providers.