Business insurance in Florida
We help Florida businesses, from new LLCs and contractors to offices, shops and restaurants, put together the coverage their landlords, clients and lenders require.
What it can cover
- General liability
- Commercial property, including windstorm
- Business owner's policies (BOP), which combine liability and property for many small businesses
- Commercial auto
- Workers' compensation
- Employee benefits: group health and life plans
Good to know in Florida
- Florida requires workers' compensation for construction businesses with one or more employees and for most other businesses with four or more.
- Commercial property in Florida, especially near the coast, usually needs windstorm coverage, with a separate hurricane deductible.
- Landlords, general contractors and clients often ask for a certificate of insurance before you start. We can prepare certificates for you.
- Vehicles used for your business may need a commercial auto policy instead of a personal one.
How Citadel Insurance Group helps
Tell us what you need
Call, chat or send a quote request. We'll ask a few questions about you and what you want to protect.
We compare insurance companies
As an independent agency, we compare coverage from several insurance companies and explain the differences in plain language.
We stay with you
After you buy, we help with policy changes, renewals and claims questions.
Questions and answers
What insurance does a small business need in Florida?
It depends on your industry, contracts and employees. Most businesses start with general liability, add property coverage or a BOP if they have a location or equipment, commercial auto for business vehicles, and workers' compensation once they reach Florida's employee threshold.
What is a certificate of insurance?
A one-page document that shows your coverage. Landlords, general contractors and clients often ask for one. As your agency, we can prepare them for you.
Can you help with group health insurance for my employees?
Yes. Ask us about group health and life plans for employers.
Ready to compare?
A licensed agent will contact you, ask a few questions and compare options with you, in English or Spanish.
Other insurance we offer
- Auto insurance
- Home insurance
- Condo and renters insurance
- Flood insurance
- Boat insurance
- Workers' compensation
- Health insurance
- Life insurance
- Medicare plans
Descriptions on this page are general information, not a policy or a promise of coverage. Every policy is subject to the insurance company's underwriting, terms, conditions and exclusions. Not every product or company is available to every applicant.