Independent Florida Brokerage
Florida commercial insurance, quoted by someone who picks up the phone.
Independent access to admitted and surplus lines carriers for Florida businesses — general liability, commercial property, BOP, workers' comp, and the wind coverage nobody else wants to write.
Get My QuoteNo obligation. No call centre. Response within one business day.
Why this is hard right now
The Florida market changed. Your broker didn't.
Placing commercial risk in this state stopped being routine several years ago. Most agents never adjusted.
Carriers pulled out
Admitted markets shrank and non-renewals started landing with 45 days' notice. If your agent shops three carriers, you are getting three answers to a question with thirty.
Wind is the whole game
Coastal commercial property is where placements fall apart. Getting it done means knowing which surplus lines carriers are open for your county, occupancy and construction class — this quarter, not last year.
Captive agents have one answer
Independent means the market gets shopped against itself, and you see what the risk actually costs instead of what one carrier wants to charge for it.
Coverage
What we place
Commercial property and casualty for Florida businesses, from a single-truck contractor to a coastal condominium association.
General Liability (CGL)
Third-party bodily injury and property damage. Required by nearly every commercial lease and subcontract in Florida.
Commercial Property & Wind
Building, contents and business personal property, including named-storm and hurricane deductible structuring for coastal risk.
Business Owner's Policy (BOP)
Property and liability bundled for small Florida businesses. Usually the cheapest route under roughly $5M in revenue.
Workers' Compensation
Required in Florida at four employees, or at one in construction. Voluntary and assigned-risk markets both.
Commercial Auto
Owned, hired and non-owned. Florida's litigation environment makes limit selection matter more here than almost anywhere.
Umbrella & Excess Liability
Extra limits over GL, auto and employers' liability, for contracts demanding $2M to $10M.
Industries
Where we do the most work
Every industry has one placement that decides the whole program. These are the ones we know cold.
- Contractors and tradesGL, workers' comp, tools and equipment, and additional-insured endorsements that actually match the contract wording.
- Condo and HOA associationsMaster property, D&O, fidelity and the wind placement. Post-SB 4-D structural and reserve requirements put real pressure on association budgets.
- Restaurants and hospitalityProperty, GL, liquor liability, spoilage and business interruption.
- Retail and commercial real estateBuilding owners, strip centres, mixed use and lessor's risk.
- Professional services and officesBOP, cyber and errors & omissions.
Process
How this works
Four steps, and you are never chasing anyone for a status update.
Tell us about the business
Two minutes. Entity, address, revenue, payroll, and what the contract or lender is demanding.
We shop the market
Admitted carriers first, surplus lines where the risk requires it. You find out which is which.
Apples-to-apples comparison
Same limits, same deductibles, side by side, with the exclusions called out in plain English.
Bind and get certificates
COIs same day, every time you need one, for as long as the policy is in force.
Common questions
Straight answers
How much is commercial insurance in Florida?
A general liability policy for a small Florida service business commonly runs $500 to $1,500 a year. A BOP for a small retail or office operation typically lands between $1,000 and $3,000. Commercial property on coastal buildings varies enormously with construction, county and wind deductible. Anyone quoting you a number before seeing the risk is guessing.
Does Florida require my business to carry insurance?
Workers' compensation is mandatory at four or more employees, or at one employee in construction. Commercial auto is required for business-owned vehicles. General liability is not required by statute, but virtually every commercial lease, loan and subcontract agreement requires it.
What is the difference between admitted and surplus lines?
Admitted carriers file their rates with the state and are backed by the Florida Insurance Guaranty Association. Surplus lines carriers have no guaranty-fund backstop but will write risks admitted carriers decline — which, in Florida coastal property, is most of them. Both are legitimate. The trade-off is flexibility against that backstop, and you should be told which one you are buying.
How fast can I get a certificate of insurance?
Same day on bound policies, usually within the hour.
Do you charge a fee?
No. Compensation comes from carrier commission, which is built into the rate whether you use a broker or not.
Request a quote
Tell us about the business.
We'll reply within one business day. Your information is never sold or shared with lead buyers.