Commercial Insurance That Works for Florida Businesses
No matter the size or industry, Florida businesses face real-world risks every day. From property damage and liability claims to equipment loss or legal disputes, unexpected events can quickly derail operations and drain resources. That’s why having the right commercial insurance isn’t just a smart move—it’s a vital part of protecting your livelihood.
At Bridges Insurance Agency, we help business owners across the state secure tailored commercial coverage that fits their operations, budget, and risk exposure. Whether you’re running a startup, managing a growing fleet, or operating from your own home, our licensed agents are here to simplify the process and guide you to the right protection.
What Does Commercial Insurance Cover?
Commercial insurance is an umbrella term for a range of policies designed to protect your property, people, and income. The types of coverage you need depend on how your business operates—but there are core policies that apply to most Florida businesses. At Bridges Insurance Agency, we focus on seven essential coverage types that provide real protection in the real world:
Business Owner’s Policy (BOP)
A BOP combines two key types of protection—property insurance and general liability insurance—into a single, cost-effective package. Additional coverages may be added to meet the specific needs of a small business. It’s ideal for small to midsize businesses with physical locations, equipment, or inventory to protect. If fire, theft, or vandalism damages your property, or if a customer is injured on your premises, a BOP provides financial support to recover and continue operations.
General Liability Insurance
This foundational policy covers third-party claims of bodily injury, property damage, and personal/advertising injury. Whether someone slips in your storefront or a client accuses your business of reputational harm, general liability insurance may cover legal defense costs, medical bills, and settlements so your business stays protected.
Professional Liability Insurance
Also known as Errors and Omissions (E&O) insurance, this policy covers claims that your professional services or advice caused a client financial harm—even if you did nothing wrong. It’s crucial for consultants, designers, IT professionals, and other service providers who are exposed to risk through their expertise.
Commercial Auto Insurance
If your business owns or operates vehicles—whether for deliveries, transporting tools, or traveling between job sites—you need a commercial auto policy. This coverage protects against damage to your business vehicles, injuries to drivers or passengers, and liability for accidents involving third parties.
Inland Marine Insurance
Despite the name, inland marine insurance has nothing to do with water. It covers tools, equipment, and valuable items while they’re in transit or stored off-site. Contractors, photographers, mobile businesses, and anyone who works at different locations can benefit from this flexible property protection.
Builders Risk Insurance
If your business is involved in construction, remodeling, or renovation, builders risk insurance provides short-term property protection for the structure and materials during the course of construction. It helps cover losses from fire, vandalism, theft, and certain weather events while work is underway.
Home-Based Business Insurance
Operating a business from home? Your homeowners insurance likely doesn’t cover commercial activities. Home-based business coverage helps protect business property, liability, and lost income if you’re unable to work due to a covered event.
Protecting Your Business in Florida’s High-Risk Environment
Florida is a dynamic place to do business—with unique exposures that go beyond the national average. From hurricane-prone coasts to high-volume tourism and fast-paced urban development, businesses across the state face heightened risks.
While state lawmakers have made recent efforts to rein in litigation and insurance fraud, Florida still ranks among the highest in the nation for property insurance lawsuits and claim severity. This environment makes having comprehensive commercial coverage more important than ever.
For small and mid-sized businesses, a single uninsured claim or dispute can be financially devastating. Commercial insurance is a key part of any small business risk management strategy, helping you stay operational, meet legal and contractual requirements, and confidently handle the challenges that come with doing business in Florida.
Who Needs Commercial Insurance in Florida?
If you operate a business in Florida—regardless of industry or size—you need commercial insurance. Whether you own a small shop, freelance from home, or manage multiple locations, your activities likely expose you to risk.
You’ll typically need commercial insurance if you:
- Serve clients or customers in person
- Own or lease business property or equipment
- Use a vehicle for business purposes
- Sign contracts with clients, vendors, or landlords
- Offer professional advice or services
Even if you’re just starting out, it’s important to know that most personal policies—like home or auto—won’t cover business use. And some contracts may legally require you to carry specific coverage. The right policy can save you from unexpected disruptions—and allow you to focus on growth, not damage control.
Get a Florida Commercial Insurance Quote Today
At Bridges Insurance Agency, we make protecting your Florida business easy. Our team understands the challenges local business owners face, and we’re here to help you choose the right commercial coverage—without unnecessary extras.
We’ll walk you through your options, explain what’s required vs. recommended, and help you get the best combination of price and protection for your industry.
Call us at (850) 354-8900 or contact us online to get started today.