Florida Business Insurance — built for every trade, priced by the one that fits.

Florida does not require all businesses to carry general liability or BOP insurance, but several specific coverages are mandated. Workers' compensation is required for most construction businesses with 1+ employee and most non-construction businesses with 4+ employees. Commercial auto liability ($10,000 PIP + $10,000 PDL minimum) is required for any vehicle registered in a business name. Professional liability is required for certain licensed professionals.

Commercial leases, client contracts, and lenders routinely require GL, BOP, or commercial property coverage as a contractual condition — even when the state doesn't.

Yes — for most businesses. Florida construction businesses must carry workers' comp with 1 or more employees (including subcontractors unless the sub has their own exempt coverage). Non-construction businesses must carry workers' comp with 4 or more employees, counting full-time, part-time, and seasonal staff.

Agricultural employers with 6+ regular employees or 12+ seasonal employees (30+ days) must also carry coverage. Sole proprietors and LLC members can file an exemption in construction; non-construction sole proprietors are generally exempt by default.

A Business Owner's Policy (BOP) bundles general liability, commercial property, and business income (interruption) coverage into one package — typically at a lower premium than buying the three separately.

BOPs are designed for small to mid-sized Florida businesses: offices, retail stores, salons, light contractors, professional service firms. Restaurants, bars, manufacturers, and heavy construction usually need a dedicated commercial package policy (CPP) instead. Core 4 quotes both and recommends the right fit.

Florida general liability insurance typically costs $400 to $1,500 per year for most small businesses — consultants, e-commerce, retail, light service. Higher-risk trades (roofing, framing, electrical, tree service) can run $2,500 to $10,000+ annually depending on payroll and receipts.

GL covers bodily injury, property damage, and personal and advertising injury caused by the business. Florida contractors almost always need a minimum $1M/$2M GL limit for licensing and client contracts.

A Florida commercial property policy covers hurricane wind, wind-driven rain, roof damage, falling-object damage, and business interruption from a named storm — subject to a separate hurricane deductible, usually 2% to 10% of the insured building value.

Flood is excluded and requires a separate commercial flood policy (NFIP commercial or private). Businesses with coastal or flood-zone exposure should always add commercial flood and business income coverage with extended period.

It depends on use. Light business use of a personal vehicle (commuting, occasional client meeting, dropping off mail) is generally covered under a personal Florida auto policy. But regular business use — making deliveries, transporting tools or passengers for hire, visiting multiple job sites, using the vehicle to conduct commerce — requires a commercial auto policy.

Personal auto carriers often deny claims when an accident occurs during undeclared business use. Core 4 walks through the use pattern on every quote.

Professional liability insurance (also called Errors & Omissions or E&O) protects service providers against claims that their professional advice or service caused a client financial harm.

It is required by statute for certain Florida professionals — physicians, attorneys, CPAs, real-estate brokers — and routinely required by contract for consultants, IT service providers, architects, engineers, marketing agencies, insurance agents, and financial advisors. Typical premium: $500 to $3,000 per year for small firms.

Any Florida business that stores customer data, processes credit cards, uses email, or has a website has cyber exposure — and cyber liability insurance is rapidly becoming standard.

Cyber policies cover data breach response, customer notification, credit monitoring, ransomware payment, business interruption from a cyber event, and regulatory defense. Florida has data breach notification requirements (FIPA) with deadlines and penalties for non-compliance. Core 4 quotes cyber coverage starting around $500–$1,200/year for small businesses.

Employment Practices Liability Insurance (EPLI) covers claims by employees or applicants for wrongful termination, discrimination, harassment, retaliation, failure to promote, and wage-and-hour violations.

EPLI is strongly recommended for any Florida business with employees, and essential for any business with 10+ employees. Florida and federal employment lawsuits are expensive to defend even when frivolous — EPLI provides defense costs on top of indemnity. Typical cost: $800 to $2,500 per year for small employers.

Yes. Core 4 specializes in Florida contractors across every trade: general contractors, roofers, framers, electricians, plumbers, HVAC, painters, landscapers, tree service, concrete, masonry, tile, drywall, and solar installers.

Florida contractor insurance typically includes GL with per-project limits, Workers' Comp (or an exemption filing), commercial auto for trucks and tools, tools & equipment (inland marine) coverage, and commercial umbrella. Core 4 is appointed with the major Florida contractor markets — NEXT Insurance, USLI, Amwins, Appalachian Underwriters, Tapco, Bass Underwriters, and Ascendant.

Yes. Florida restaurant insurance is a specialty line with dedicated programs covering food contamination, liquor liability (critical for any establishment serving alcohol), commercial property with hurricane coverage, spoilage, business interruption, workers' comp, and commercial auto for delivery.

Food trucks, catering businesses, and Florida breweries have their own programs. Core 4 quotes the full food and beverage market in Florida.

Sí — todo el equipo de Core 4 es completamente bilingüe. Los dueños de negocios en Florida pueden obtener cotizaciones de seguro comercial (responsabilidad general, BOP, compensación de trabajadores, auto comercial, responsabilidad profesional, y ciber) completamente en español.

Especialistas en contratistas, restaurantes, servicios profesionales y comercio minorista. Por teléfono, en persona, o en línea. Llame al (954) 420-1501.