Small Business Insurance in Florida
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Tailored Business Insurance in Florida
biBERK is trusted by many companies for business insurance in Florida. 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 is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury. We offer tailored workers’ comp in Florida to suit your business.
Workers' Compensationchevron_rightFlorida General Liability Insurance
Also known as commercial liability insurance, a general liability policy is a vital type of business insurance in Florida. It covers damages and legal costs associated with injury claims to customers and other people you don't employ, damage to other people's property that was caused by your business, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.
General Liabilitychevron_rightFlorida Business Owners Policy (BOP)
Also called property & liability insurance, a business owners policy (BOP) 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—such as the use of 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.
Business Owners Policychevron_rightFlorida Professional Liability Insurance
Also known as 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 caused financial harm to them or their business. Coverage includes both mistakes on the part of your business (errors) and the failure to perform a service (omissions). Professional liability insurance should be considered if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.
Professional Liabilitychevron_rightFlorida Commercial Auto Insurance
If your company owns or leases vehicles, this policy protects your business. This type of insurance 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.
Commercial Autochevron_rightFlorida Cyber Insurance
This type of business insurance in Florida can be purchased as an add-on to a general liability, professional liability, or BOP policy. It helps cover costs related to system hacks or data security breaches in which sensitive information has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.
Cyber Insurancechevron_rightFlorida Umbrella Insurance
When buying business insurance in Florida, every insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection, as it can cover costs that exceed the limit of another liability policy, subject to its own limit. Without it, you may 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.
Umbrella Insurancechevron_rightWe 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 Choose biBERK for Your Business Insurance in Florida?
We’re the experts when it comes to small business.
Save Time
Get a quote for small business insurance in Florida 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.
Experienced
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 may 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.
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, you’re still required to carry workers’ comp. 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. However, 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:
- Go to https://apps.fldfs.com/bocexempt/.
- Click Apply for or Renew an Exemption.
- Proceed as prompted by the website and print the exemption certificate after you’ve completed.
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 require you to carry specific policies, it’s recommended that you carry policies to cover 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 Does Business Insurance in Florida Cost?
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 of insurance can vary largely for different small businesses.
Frequently Asked Questions About Small Business Insurance in Florida
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Am I required to have small business insurance in Florida?
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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.
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How long does it take to get small business insurance in Florida?
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Getting a business insurance quote and then paying for one or more policies is fast and easy. It can take as little as five minutes. And your coverage is instant once you complete the process.
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Can I set up my policy to be paid automatically when premiums are due?
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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%.