Florida Business Insurance

Customized protection for your Florida business

Florida business owners should consider several types of commercial insurance for financial and legal reasons. A variety of incidents can threaten your business, including customer slips and falls, natural disasters and employee injuries.

You’re required to have workers’ compensation if you employ one or more of Florida’s 3.6 million small business employees. You should also consider other types of coverage for your daily operations, business property and electronic data.

The Progressive Advantage^® Business Program can help you personalize a Florida business insurance policy with the coverage you need.

Types of FL business insurance

General Liability

This is the most common business insurance coverage, and nearly all businesses in Florida should have it. It protects against third-party bodily injury and property damage, as well as personal and advertising injury.

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Commercial Auto

This coverage protects against damage to your vehicles and trailers, as well as injuries or property damage related to their use. You’ll need this coverage if you use your vehicle to transport supplies or travel between job sites.

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Workers' Compensation

This is required in Florida if your business has employees. Workers’ compensation pays for medical costs and lost wages of employees who become injured or ill on the job.

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Business Owners Policy (BOP)

A BOP combines property and liability coverage into one easy-to-manage policy. It’s a great option for small to medium-sized businesses that rent or own commercial property, such as a storefront, warehouse or office building.

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Professional Liability

Florida businesses that provide professional services should consider this coverage. It protects businesses from claims of professional negligence, both actual or alleged, and helps pay for defense costs. It’s sometimes referred to as errors & omissions insurance (E&O).

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Cyber Insurance

Cyber insurance protects businesses from electronic threats, such as cyber attacks and data breaches. It helps cover investigative services, data recovery, as well as legal fees and settlement costs. Businesses that store or manage customer data should consider this coverage.

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How much does Florida business insurance cost?

The cost of business insurance in Florida depends on a variety of factors, including a business’s size, location and coverage needs. For example, a business located on the coast near Miami will have a different rate than a business located inland near Gainesville.

The most influential factor, however, is the type of work that you do. Professions are typically rated on the exposures that are unique to their industry. Businesses that are considered high risk typically pay more for coverage.

Learn more about the factors that affect your business insurance rate. You can also get a quote online to find out exactly what you’ll pay for your unique situation.

Florida business insurance requirements

Business insurance isn’t required by Florida state law except for workers’ compensation. Employers must carry this coverage to protect their employees should they become injured or ill while at work.

Coverage requirements depend on your industry, number of employees and other factors. For example, coverage must be provided for construction businesses with one or more employees and non-construction businesses with four or more employees.

While you’re not legally required to carry other types of coverage in Florida, you probably should. An unexpected incident can result in a claim that’s difficult to afford without it.

Resources for Florida small business owners:

Commercial Property Insurance Overview (Florida Department of Financial Services, Division of Consumer Services)
Workers’ Compensation Requirements in Florida (Florida Department of Financial Services, Division of Workers’ Compensation)
Workers’ Comp FAQs (Florida Department of Financial Services, Division of Workers’ Compensation)
2023 Florida Small Business Profile (U.S. Small Business Administration)

Florida professions we insure

We help small business owners from a wide variety of industries, including these common professions:

Browse more examples of professions we insure.

Why choose Progressive?

Options

We can help you secure coverage at any stage of your business’s development with the flexibility to adjust your policy as your business changes. Our agents will work with you to make sure you’re getting protection that meets both your needs and budget.
Experts

As the #1 commercial auto insurer in America^*, you can trust us with all your business insurance needs. Our team of specially trained, in-house agents can assist you every step of the way to make sure you’re getting the best coverage for your business.
Convenience

There are several ways to get a quote, whether you need a single Florida policy or a combination of business insurance coverages. Simply start a quote online or call us to speak with an agent.