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Compare Quotes →Business insurance in Florida
Florida businesses often need to consider property risk, weather exposure, workers compensation rules, vehicles, and contract coverage. State requirements can change, and rules may differ by employee count, industry, vehicle use, ownership structure, and professional licensing. Use this page as a research checklist before speaking with a licensed agent or checking state resources.
Coverage to review
Review whether Florida laws, contracts, leases, or client requirements make this coverage important for your business.
Review whether Florida laws, contracts, leases, or client requirements make this coverage important for your business.
Review whether Florida laws, contracts, leases, or client requirements make this coverage important for your business.
Review whether Florida laws, contracts, leases, or client requirements make this coverage important for your business.
Review whether Florida laws, contracts, leases, or client requirements make this coverage important for your business.
Review whether Florida laws, contracts, leases, or client requirements make this coverage important for your business.
Questions to ask before buying
- Do I have employees, owners, officers, or contractors who affect workers compensation obligations?
- Do I use vehicles for business, deliveries, jobsites, or client visits?
- Do clients, landlords, vendors, or licensing bodies require proof of insurance?
- Do I own tools, inventory, tenant improvements, or equipment that should be protected?
Suggested official resources
Check your state insurance department, workers compensation agency, secretary of state, licensing board, and local business resources before making compliance decisions. Requirements and agency names vary by state.
Quote preparation for Florida businesses
Prepare a short business description, NAICS or industry category if known, owner/officer information, employee count, payroll estimate, annual revenue, business property values, vehicle details, lease requirements, customer contract wording, and any prior insurance claims. If you operate in multiple states, ask how coverage and workers compensation rules apply across locations.
Frequently asked questions
Does Florida require workers compensation insurance?
Florida requires workers comp for construction businesses with one or more employees, and for non-construction businesses with four or more employees. Out-of-state employers must also comply when working in Florida.
What are Florida's commercial auto insurance minimums?
Florida requires $10,000 personal injury protection and $10,000 property damage liability for most vehicles. Vehicles with for-hire use have higher minimums, and most business contracts require $1M combined single limit.
How does Florida's hurricane season affect business property insurance?
Florida property policies typically include separate, higher hurricane and wind/hail deductibles, often 2 to 5 percent of insured value. Flood is excluded from standard property policies and requires a separate NFIP or private flood policy.
Is general liability insurance required for Florida businesses?
It is not state-mandated for most industries, but contractor licenses, commercial leases, and county business permits commonly require it. Limits of $1M per occurrence and $2M aggregate are standard.
What insurance do Florida contractors need to get licensed?
Florida requires licensed contractors to carry workers compensation (or an exemption), general liability, and a surety bond. The Construction Industry Licensing Board sets the specific limits by license class.
Where can Florida business owners verify insurance requirements?
The Florida Office of Insurance Regulation (OIR) regulates carriers, the Division of Workers' Compensation oversees workers comp, and MyFloridaLicense.com lists license-specific insurance requirements by industry.
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