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Commercial insurance · Florida

Coverage built around how your business actually runs.

We place commercial insurance for Florida businesses, with our deepest experience in hospitality and real estate. Start with your industry below, or jump straight to the coverage you need.

Restaurant patio with outdoor dining tables lit for evening service

Independent, not captive.We compare coverage and pricing across several carriers, so you see real options side by side.

Our specialties

Three industries. Known inside and out.

These are the businesses we work with every day. Each one carries risks a general policy tends to miss.

Restaurant patio with outdoor dining tables lit for evening service

Hospitality

Hotels, restaurants, and bars

Guests, alcohol, food service, and late nights. Hospitality risk moves fast, and a generic policy rarely keeps up. We build coverage around how you actually operate, and revisit it when your business changes.

What we usually put together

  • General liability
  • Liquor liability
  • Property and business income
  • Workers' compensation
  • Commercial auto
  • Umbrella, flood, and windstorm

What we check

  • Assault and battery exclusions
  • Liquor limits your lease requires
  • Staff driving their own cars for work
  • Spoilage after a power outage
  • Income if a storm closes you
Modern condo building with balconies and palm trees

Short-term rentals

Airbnb and VRBO properties

Your rental is a hospitality business, and we insure it with the same guest-focused thinking we bring to hotels and restaurants. Standard homeowners policies usually exclude rental use, so we cover properties built for frequent guest turnover, from one condo to a managed portfolio.

What we usually put together

  • Property coverage written for rental use
  • Liability for guest injuries
  • Loss of rental income
  • Flood and windstorm
  • Umbrella liability

What we check

  • Rental exclusions in your current policy
  • Where platform host protection stops
  • Condo master policy vs. your unit
  • Named-storm deductibles, in dollars
Modern multistory apartment building exterior

Real estate investors

One advisor, one program, every door.

Landlords and investors need coverage that scales as the portfolio grows. We build one program instead of a separate policy for every property, so renewals, deductibles, and limits stay in sync. Long-term leases and short-term rentals can live in the same program.

What we usually put together

  • Property coverage for each building
  • General liability
  • Loss of rents
  • Umbrella across the portfolio
  • Flood and windstorm

What we check

  • Vacancy limits during turnovers and rehabs
  • Mismatched renewal dates and deductibles
  • Liability limits sized to the portfolio
  • Lender and association requirements

Coverage we place

The building blocks, in plain language.

Every business is different, so treat this as a starting point, not a full list. We'll explain which pieces you need and why.

General liability

Covers claims when someone outside your business gets hurt, or their property gets damaged, because of your operations.

Often required by landlords, venues, and vendors.

Commercial property

Covers your building, equipment, and inventory, plus lost income if a covered loss shuts you down for a while.

Ask about business income limits and waiting periods.

Workers' compensation

Covers medical costs and lost wages for an employee who gets hurt on the job.

In Florida, most non-construction businesses need it once they have four or more employees.

Commercial auto

Covers vehicles your business owns or uses, including delivery vans and shuttle vehicles.

Ask about hired and non-owned auto for staff who drive their own cars.

Liquor liability

Covers claims tied to serving alcohol. Landlords and lenders often require it for any venue that pours drinks.

Check that your limits match your lease.

Umbrella and excess liability

Adds liability limits on top of your other policies, for claims that go beyond what those policies cover.

Useful for portfolios and busy venues.

Flood and windstorm

Covers named-storm and flood damage. In Florida, these are usually separate from standard property coverage.

Know your named-storm deductible in dollars.

Not sure what you need?

Tell us how your business runs and we'll recommend a starting point.

Run a different kind of Florida business? We place commercial coverage for other industries too. Tell us what you do and we'll tell you honestly whether we're the right fit.

Tell us about it

Let's talk coverage

Know your renewal date? Start there.

Tell us about your business or property and when your current policy renews. We'll reach out with enough time to compare real options, not the week it expires.

Free quotes, no obligation · Hablamos español · Monday to Friday, 9 AM to 6 PM