Short answer: Most Florida small businesses start with a business owners policy that combines general liability and property, then add workers' compensation, commercial auto and an umbrella as needed. Florida generally requires workers' comp for non-construction businesses with four or more employees and for construction businesses with one or more (§440.02). Nymble Insurance compares business coverage across multiple carriers. Call (813) 291-3484.
Core coverages
- General liability: third-party injury and property damage.
- Commercial property: building, equipment and inventory, with windstorm and its deductible.
- Business income: lost income after a covered loss such as a hurricane.
- Workers' compensation (§440.02 thresholds).
- Commercial auto and commercial umbrella.
Real estate businesses
Landlords, short-term rental operators, associations and builders have specialized forms: landlord DP-3, vacation rentals, condo associations and builders risk.
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When is workers' comp required in Florida?
Does a Florida business policy include flood?
Sources
- Fla. Stat. §440.02 (workers' compensation definitions, employer)
- Fla. Stat. §324.022 (minimum property damage liability)
- FEMA National Flood Insurance Program
- Florida Office of Insurance Regulation
Educational information only, not legal advice or a coverage guarantee. Coverage depends on the policy issued. Nymble Insurance, licensed Florida independent agency, license L131669, (813) 291-3484.