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Tailored business insurance in Florida

Many companies trust biBerk for business insurance in Florida. There are several reasons you should, too! We offer flexible policies to protect you from the many types of risk Florida businesses face.

Florida Workers' Compensation insurance

This insurance helps protect your business if an employee gets hurt, contracts an illness, or dies at work. It can cover medical costs, legal fees, and lost wages from the injury. We offer tailored workers’ comp in Florida to suit your business.

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Florida General Liability insurance

Also known as commercial liability insurance, general liability insurance is critical for a small business in Florida. It covers damages and legal costs associated with injury claims to customers and other people who don’t work for you, damage your business causes to other people's property, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. Plus, you can add endorsements to customize your policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability. General liability insurance for a small business in Florida is essential—so, it should be one of the first policies you learn about and buy.

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Florida Business Owners Policy (BOP)

Also called property & liability insurance, a business owners policy (or BOP for short) combines general liability insurance with coverage for your company’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running after suffering property damage—including from incidents like hurricanes or sinkholes—like using a temporary location. You can also tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

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Florida Professional Liability insurance

Also called errors and omissions (E&O) insurance, this policy could protect you from the cost of damages and legal fees if someone claims your professional service harmed them or their business financially. Coverage includes both mistakes by your business (errors) and failing to perform a service (omissions). Professional liability insurance should be part of your financial protection strategy if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.

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Florida Commercial Auto insurance

If your company owns or leases vehicles, this policy protects your business. It can provide coverage for your legal fees and the medical costs of others if your employee is at fault in an accident. It can cover the cost of damages even if the vehicle is used for personal activities outside of its primary business use.

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Florida Cyber insurance

This type of business insurance in Florida can be purchased as an add-on to a BOP, general liability, or professional liability policy. It helps cover costs related to system hacks or data security breaches where sensitive information has been stolen and fraud has occurred or it’s reasonable to think it might occur.

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Florida Umbrella insurance

When buying business insurance in Florida, every policy has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection and can cover costs over the limit of another biBerk liability policy, up to its own limit. Without it, you might be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your company.

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We cover all kinds of professionals and businesses in Florida, including:

  • Administrative support employees
  • Amusement businesses
  • Animal shelters
  • Appraisers
  • Assisted living and nursing homes
  • Automobile car washes
  • Aviation companies
  • Bakeries
  • Barber shops
  • Beauty salons
  • Bowling alleys
  • Breeding farms or stables
  • Building owner operations
  • Building raising companies
  • Burglar alarm installation/repair companies
  • Bus companies
  • Business consultants
  • Business contractors
  • Business marketing firms
  • Cabinet and trim installers
  • Car rental companies
  • Carpenters
  • Carpet, rug, and upholstery cleaners
  • Caterers
  • Certified financial analysts
  • Child care providers
  • Claims adjusters
  • Clothing stores and other retail
  • Colleges
  • Commercial cleaning services
  • Commodities and security businesses
  • Computer programmers
  • Concrete construction companies
  • Conduit construction companies
  • Courier services and messengers
  • Domestic service contractors
  • Electrical contractors
  • Engineering and architecture firms
  • Fruit and vegetable vendors
  • Furnace and air conditioning companies
  • Glazier services
  • Group home operations
  • Health and fitness centers
  • Home and commercial carpet installers
  • In-home health care providers
  • Indoor stone and marble installers
  • Insurance companies
  • Insurance inspection companies
  • IT consultants
  • Janitors
  • Lawn and garden services
  • Legal services and lawyers
  • Marketing and advertising firms
  • Masonry experts
  • Nightclubs, bars, and lounges
  • Painting companies
  • Patrol and detective agencies
  • Photographers
  • Physicians and osteopaths
  • Plumbers
  • Public relations firms
  • Real estate companies
  • Restaurants
  • Sales executives
  • Small appliance repair
  • Telephone and telegraph companies
  • Towing companies
  • Trash collection services
  • Travel companies
  • Traveling auditors and accountants
  • Trucking companies
  • Vehicle repair shops
  • Veterinary hospitals

Why biBerk for business insurance in Florida?

We’re the experts when it comes to small business.

Save time

Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.

Save money

We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than policies with other insurance companies.


We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.

Why is biBerk better for workers’ comp in Florida (and other policies)?

Whether it’s workers’ comp in Florida or other small business insurance, we’re often less expensive and easier to do business with than other insurance companies. That’s better for you in many ways. We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You might know Berkshire Hathaway as the company started by Warren Buffett. Mr. Buffett began as a small business owner, and he’s dedicated to providing small businesses with services and value that can help them grow.

What do biBerk customers say?

Who needs to understand commercial insurance in FL?

It’s essential to have commercial insurance in Florida. That’s why it’s helpful to understand what’s available—whether you're starting your first business, running an established company, or advising owners as an independent business consultant. When creating a new company, it’s important to start strong. That means having “financial protection” at the top of your to-do list! Costly incidents can occur at any time. If you don’t have the right coverages, you can take on a huge financial burden. Fortunately, we offer rock-solid protection at affordable prices. Just as importantly, we can guide you on what policies you need and provide lots of educational resources to get you up to speed quickly on commercial insurance in Florida.

Optimizing insurance coverage is essential

If you’re running an established company, your past experience has probably taught you this: Business insurance is critical. We help you get the most from your coverage by working with you to review your policies regularly and upgrade them if needed as your business grows and evolves. We’re also an excellent source of industry information to seasoned business owners like you on the ever-changing world of commercial insurance.


Small business advisors should stay informed

Do you advise small business owners? If so, you’ll discover we’re an excellent provider of commercial insurance in FL. You’ll find that our professionalism and expertise reflects well on you for recommending us! From our guidance on risk assessment to tailored insurance solutions for even the most unique requirements, we’re here for you and your clients, with coverage details on our website, a library of insightful articles in our Resource Center, and prompt, friendly customer service.


Requirements for small business insurance in Florida

Every employer is required to carry workers’ compensation insurance in Florida. Even if you only have one employee, workers’ comp is mandatory. Also, contractors must have workers’ compensation insurance in Florida for any work they do, even if their headquarters is in another state. You can receive substantial fines and criminal penalties if you’re caught doing business without workers’ comp in Florida.

Corporate officers or LLC members

Coverage is not required for corporate officers or LLC members, but you must take steps to receive an exemption. For contractors, there is a $50 fee to file an exemption, so be prepared to pay that online.  All other types of businesses are not subject to a fee.

To exclude an officer or LLC member from workers’ compensation coverage:

  1. Go to https://apps.fldfs.com/bocexempt/.
  2. Click Apply for or Renew an Exemption.
  3. Proceed as prompted by the website and print 
the exemption certificate after you’ve completed.
Send the copy of the exemption certificate to customerservice@biberk.com or fax to 203-654-3613. Failure to complete this exemption process will result in an increase in your premium.

Other policy considerations

Many contracts require a general liability policy and/or a professional liability policy. Even if your customers, clients, or partners don’t expect you to carry specific policies, it’s recommended that you have coverage for any part of your business that could be at risk. For example, a BOP can cover wind and hail damage to your property caused by hurricanes and damage caused by sinkholes. Financially protecting your company is one of the smartest business decisions you can make.

What will I pay for business insurance in FL?

Insurance costs take a variety of factors into consideration, including your industry, the size of your business, your desired coverage, and any claims you’ve had in the past. For that reason, the cost for business insurance in FL can vary largely for different small businesses. You can get instant quotes on our websites for all the policies you need.

Frequently asked questions about small business insurance in Florida

  • Am I required to have small business insurance in Florida?


    By law in most states, you must have workers’ comp insurance if you have employees. If your business owns or leases vehicles, then by law you may have to carry commercial auto liability insurance at set limits. Many other types of insurance are required to get contracts, with a few niche industries having coverages required by law.

  • How long does it take to get small business insurance in Florida?


    Getting a business insurance quote from biBerk and then paying for one or more policies is fast and easy. It can take as little as five minutes. And your coverage is typically in effect as soon as the day after you complete the process.

  • Can I set up my policy to be paid automatically when premiums are due?


    Yes, our autopay feature is easy to activate and signing up gives you one less task to worry about.

Small business insurance in Florida in three simple steps


Get a quote.

Fill out a form online or give us a call to tell us about your company. You’ll have a quote in as little as five minutes.


Buy a policy.

Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.


Get a certificate.

Download an instant Certificate of Liability Insurance immediately after purchasing a policy.

Get a quote today.

Trust biBerk for business insurance in Florida and save up to 20%.