Business Insurance in Florida. We Compare. You Save.
Protect your business in Florida with the right coverage at the right price. As an independent agency, we shop your policy across 10+ carriers to find you the best rates, not just the first quote.
Carriers Compared
Years Experience
Google Rating
English & Español
Insurance Carriers
Serving Miami-Dade, Broward, Palm Beach
Independent
COI Available
Protect Your Business
Why Florida Businesses Need Commercial Insurance
Running a business in Florida comes with unique risks. From hurricane damage to slip-and-fall lawsuits, the right insurance protects your livelihood, your employees, and everything you’ve built.
Florida’s legal environment is particularly challenging for business owners. The state ranks among the highest in the nation for liability lawsuits, and a single claim can easily reach six figures. Without proper coverage, one bad day could mean losing your business.
Protect your assets — Your business, equipment, and personal savings are on the line without coverage
Meet legal requirements — Workers comp, commercial auto, and sometimes GL are required in Florida
Win contracts — Many clients and landlords require proof of insurance before working with you
Peace of mind — Focus on growing your business, not worrying about what could go wrong
52%
of civil lawsuits target small businesses
$1K/day
penalty for missing workers comp in Florida
75%
of businesses will face a liability claim
$50K+
average cost of a
slip-and-fall lawsuit
Florida Law
Business Insurance Requirements
in Florida
Florida has specific insurance requirements for businesses. Here’s what you need
to know to stay compliant and avoid penalties.
Workers Comp
Required for most Florida businesses with employees. Covers medical expenses and lost wages for work-related injuries.
Commercial Auto
Required for all business-owned vehicles in Florida. Personal auto policies don’t cover business use. Don’t risk it without great coverage.
General Liability
Not state-mandated, but often required by landlords, clients, and local licensing authorities. Protection for every business.
Our Insurance Products
Insurance That Fits the Way You Live
and Work
From family life to business risks, we guide you to the right protection every step of the way.
General Liability
Protects against third-party bodily injury, property damage, and advertising injury claims. The foundation of business protection.
Workers Comp
Covers employee injuries and illnesses on the job. Required for most Florida employers. Protects you from personal injury lawsuits.
Commercial Auto
Covers business-owned vehicles, employee drivers, and liability from accidents. Personal auto policies exclude business use.
Business Owners Policy
Bundles general liability + commercial property into one policy. Save 10-15% vs. buying separately. Ideal for small businesses.
Professional Liability / E&O
Protects against claims of professional negligence, errors, or failure to deliver services. Essential for consultants and service providers.
Commercial Property
Covers your building, equipment, inventory, and furniture against fire, theft, vandalism, and weather damage including hurricanes.
Cyber Liability
Protects against data breaches, cyber attacks, and electronic threats. Covers investigation, recovery, legal fees, and customer notification.
Builders Risk
Covers buildings under construction against damage, theft, and weather. Protects materials, equipment, and the structure itself.
Not sure what coverage you need?
We’ll help you figure it out.
Industries We Serve
Business Insurance for Florida Industries
We understand that every industry has unique risks. Our agents have experience insuring businesses across Florida’s diverse economy.
Contractors
Restaurants
Retail Stores
Professional Services
Cleaning Services
Landscaping
Auto Repair
Trucking
Healthcare
Handyman
Salons & Barbers
Real Estate
Electricians
Plumbers
And More…
Don’t see your industry? We likely cover it. Give us a call.
The Independent Advantage
Why Use an Independent Insurance Agent?
When you call a big insurance company directly, you’re talking to someone who can only sell you their products. When you call us, you’re talking to someone who can shop the entire market on your behalf.
What You Get With People’s Insurance
Multiple quotes, one call — We do the shopping so you don’t have to
Local agents who answer — Call us and a real person picks up. Every time.
Bilingual service — English and Spanish speakers on staff
Claims advocacy — We help you navigate the process when you need to file
Annual reviews — We check your coverage every year to make sure you’re not overpaying
Same-day COIs — Need a certificate of insurance? We can usually get it same-da
How It Works
Getting Business Insurance Is Easy
We handle the hard part. Here’s what you can expect when you contact us.
Tell Us About Your Business
Call us or fill out the form. We’ll ask a few questions about your business, employees, and what you need covered.
We Compare Multiple Options
We shop your policy across our network of 10+ carriers to find you the best coverage at the best price.
Choose & Get Covered Immediately
Review your options, pick your policy, and you’re covered. We can often bind same-day and issue COIs immediately.
Need coverage fast? We understand. Many of our clients need a COI before they can start a job or sign a lease.
Our Partners
Insurance Carriers We Work With
We’ve partnered with top-rated insurance carriers who specialize in commercial coverage.
This gives us the flexibility to find the right fit for your business.
Carrier availability varies by coverage type and business classification. We’ll match you with the best carrier for your specific needs.
Service Areas
Serving Businesses Across South Florida
Based in Miami, with offices in North Miami and Pembroke Pines, we serve businesses throughout the state of Florida
We’re licensed to write business/commercial insurance throughout Florida. If you’re in the state, we can help.
Yoenis Frometa
Business Insurance Specialist
Your Business Insurance Expert
Don’t let the serious expression fool you – Yoenis is the guy South Florida business owners trust to protect what they’ve built. He specializes in helping everything from Miami startups to established Broward manufacturers navigate Florida’s complex commercial insurance requirements.
Whether you’re worried about hurricane season shutting down operations or need liability coverage that actually makes sense, Yoenis breaks down the jargon and finds coverage that protects your business without breaking your budget. When you call about commercial insurance, you’ll get straight answers and a plan that works.
FAQ
Business / Commercial
Insurance Questions
Testimonials
What Business Owners Say
“I was paying way too much for my contractor insurance. People’s Insurance shopped it around and found me the same coverage for $400 less per month. They also got me a same-day COI when I needed it for a job.”
“Finally, an insurance agent who actually picks up the phone! They helped me understand what coverage my restaurant actually needed and found me a great BOP that saved money compared to my old policies.”
“I needed workers comp fast to bid on a commercial job. They had me quoted and covered within a few hours. The bilingual service was a huge plus for my Spanish-speaking employees.”
Ready to Protect Your Florida Business
Let us shop your business insurance across 10+ carriers to find you the best coverage at the best price.
It takes about 10 minutes and there’s no obligation.
(305) 635-2800 / (754) 200-4886
Monday – Friday: 9am – 6pm | Saturday: 9am – 1pm
🇪🇸 Se Habla Español