Small Business Insurance in Florida

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Insurance cover for small businesses in California

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Workers Compensation

Workers Compensation covers your employees' medical costs and lost wages while recovering from a work-related injury or illness. The employee gives up the right to sue your company in return for receiving cash and benefits from Workers Compensation. In some states it’s mandatory for businesses!

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Commercial Auto

Commercial Auto Insurance covers your cars, trucks, and vans used in your business. It covers the costs from vehicle damage in collisions, theft, vandalism and weather damage. It also covers medical expenses for to injured parties.

Umbrella Policy

Umbrella Policy adds an extra layer of protection to professionals if a serious event or cumulative claims exhaust your current policy limits. It also covers you for events that would otherwise be excluded from your other policies.

Commercial Property

Commercial Property Insurance will provide coverage for your properties in case damage renders them impossible to rent or lease.

Disability Insurance

Disability Insurance offers your small business financial support if you or any of your employees are unable to work as a result of a work-related illness or accident. Disability insurance offers financial support to replace a portion of lost income while they're recovering.

General Liability

General Liability Insurance protects your small business against claims of third-party bodily injury and property damage, reputational harm and advertising injury. It covers medical bills, repair costs & legal fees.

Business Insurance in Florida

One consideration that almost every small business owner in Florida has in common is business insurance. That's why CoverWallet has built one of the most customer-friendly online quote engines in Florida with tools and resources for saving time and money.

Business Insurance in Florida keeps your business, employees, and customers protected in case of unexpected events, such as:

  • A tourist trips and falls in your retail shop in Orlando, requiring medical care.

  • Your agricultural plant is the source of a defect in consumable products, leading to loss for retailers.

If you have a business or startup in Florida, Coverwallet can help make sure that the people that work for you, serve your customers and keep your business thriving are covered in case something happens to them.

Frequently Asked Questions

What insurance will I need to set up my business in Florida?

When setting up your new business in Florida, you should consider taking out the following core insurance policies:


General Liability Insurance General Liability Insurance covers your business when faced with claims of bodily injury, associated medical costs and damage to property that occurred as a result of your business operations. With this cover, you won't have to pay for medical expenses of property damage from your pocket.


Workers Compensation Insurance Workman’s Comp provides wage replacement and medical benefits to employees who are injured at work. In exchange, employees relinquish their right to sue their employer for negligence. It protects employers from costly lawsuits while also assuring employees that they are guaranteed some coverage in case of illness or injury on the job.


Commercial Auto Insurance From accidents to injuries, having a commercial vehicle for your business comes with many risks. Commercial Auto Insurance protects your business from vehicle-related accidents, so you can sit back and enjoy the ride.


Professional Liability Insurance Providing your expertise to the market can result in significant costs to your customers when a mistake is made, and without this insurance those costs could put you out of business. Professional Liability policy can provide the right coverage if a disatisfied customer alleges that you have them bad service or advice.

How much does small business insurance cost in Florida?

The median business insurance premium in Florida is $58 per month across all industries. Professional service providers typically have fewer risks than other industries and pay a median of $45 per month for their policies.

Does Florida require small business insurance?

If you're a small business in Florida, workers' compensation insurance is required. It protects employees against job-related injuries or illness. This coverage pays for medical treatment, rehabilitation and/or temporary disability benefits.

How do I find out if a business is insured in Florida?

The Florida Department of Financial Services publishes a list of companies that are authorized to operate in the state. To find out if a company is authorized to conduct business in Florida, you can search by name, NAIC code, or Florida company code on the following web site: https://www.flofr.com

Are You Ready to Get Covered?

Prefer to speak with a CoverWallet consultant? Call(646) 844-9933