Commercial Insurance South Florida
Get the Commercial Insurance Protection You Need with Local Agents Who Understand Florida Business Risks
People's Insurance Agency helps South Florida businesses navigate commercial insurance decisions with honest advice, competitive rates, and real human support.
Comprehensive Commercial Insurance Coverage
We help South Florida businesses get the right protection with clear guidance and great rates from trusted carriers.
General Liability Insurance
Protects your business if someone is injured on your property or you accidentally damage someone else's property. Essential for any business that interacts with customers or the public.
Commercial Property Insurance
Covers your business property including buildings, equipment, inventory, and furniture. Protects against fire, theft, vandalism, and Florida's severe weather risks.
Workers' Compensation
Required by Florida law for most businesses with employees. Covers medical expenses and lost wages if an employee is injured on the job, protecting both your workers and your business.
Business Interruption Insurance
Covers lost income and ongoing expenses if your business can't operate due to covered damage. Critical for South Florida businesses during hurricane season.
SERVICE REQUIREMENTS
Information We'll Need for Your Commercial Insurance Quote
To get you an accurate quote and move quickly, please have this ready when you call or visit. Once you're here or on the phone, we'll discuss coverage options and get you the best insurance possible that fits your budget.
Your Business
Details about your business and operations:
Business type and industry classification
Number of employees and payroll information
Years in business and annual revenue
Business location and square footage
Your Risk Profile
Information about your business risks:
Equipment and inventory values
Customer interaction level (retail, office, manufacturing)
Vehicle usage for business purposes
Any prior claims or safety programs
Current Insurance
If you currently have commercial insurance:
Current insurance company name
Policy documents and expiration date
Coverage types and limits currently carried
Recent claims or lapses in coverage
Ready to Get Your Quote?
Have your information ready? Our South Florida team is here to help you.
WHY CHOOSE US
Why South Florida Businesses Choose People's Insurance for Commercial Insurance
Running a business in South Florida comes with unique opportunities and unique challenges. From hurricane season disruptions to understanding liability risks, you deserve agents who know how to protect your business and guide you through Florida's commercial insurance landscape with confidence.
Right Coverage Levels
With Florida's unique business risks and liability exposure, we don't sell basic coverage that leaves you underinsured. We ensure you have adequate protection for your business assets and operations.
Business Risk Protection
Most agents don't explain the difference between general liability and professional liability coverage. We educate you on what's covered and help you avoid costly business gaps.
Financially Stable Carriers
Florida's competitive commercial market means rates vary widely. We work with financially stable insurers who stay committed to Florida businesses year-round, including hurricane season.
Yoenis Frometa
Commercial Insurance Specialist
Meet the team
Our professional team is here to help you
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
Frequently Asked Questions
1. What commercial insurance is required in Florida?
Florida requires workers' compensation for most businesses with 4+ employees (construction companies need it with just 1 employee). While general liability isn't legally required, most landlords, vendors, and clients will demand it. Professional liability may be required depending on your industry, and commercial auto is mandatory if you use vehicles for business.
2. How much does commercial insurance cost for small businesses in South Florida?
Commercial insurance costs vary widely based on your industry, location, and coverage needs. Small retail businesses might pay $1,000-$3,000 annually, while contractors could pay $5,000-$15,000. South Florida's hurricane risk and high liability environment typically mean higher premiums than other states, but proper coverage protects your investment. Each case is unique, so contact us for a quote.
3. Do I need separate hurricane coverage for my South Florida business?
Most commercial property policies include wind damage coverage, but flood damage requires separate coverage. Given South Florida's hurricane and flooding risks, businesses should consider both windstorm and flood insurance. Business interruption coverage is also critical - it covers lost income when storms force you to close temporarily.
4. What's the difference between general liability and professional liability insurance?
General liability covers bodily injury and property damage (customer slips in your store, you accidentally damage a client's property). Professional liability covers errors in your professional services (mistakes in advice, failure to deliver promised results). Many South Florida businesses need both types of protection.
5. Do I need workers' compensation if I only have part-time employees?
Don't panic - this is common in South Florida. You typically have 30-45 days to find new coverage. Start shopping immediately, as the best carriers fill up quickly. Citizens Property Insurance is available as a last resort, but private coverage is usually better and often less expensive.
6. Can I get commercial insurance if my business operates from home?
Yes, but homeowners insurance typically excludes business activities. You'll need either a business owner's policy (BOP) or to add commercial coverage to your homeowners policy. This is especially important in South Florida where hurricane damage to your home office could impact your business operations and income.
Free guide
5 Commercial Insurance Mistakes That Could Bankrupt Your Florida Business
Avoid the costly coverage gaps that have destroyed thousands of South Florida businesses.
- The #1 property value mistake costing businesses millions
- Why misclassifying workers can shut you down overnight
- The flood coverage gap that destroys most hurricane claims
- Liability limits that seem big but aren't nearly enough
- The business interruption blind spot no one talks about
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