Commercial Insurance

Business owner to business owner: comprehensive coverage that actually protects what you've built.

You Built It. We'll Protect It.

As a fellow business owner with 40+ years in the Tampa Bay market, I understand the risks you face every day. Commercial insurance isn't just a checkbox—it's protection for everything you've worked to build. Let's make sure you have the right coverage at the right price.

Essential Commercial Coverage

General Liability

Protects against third-party claims for bodily injury, property damage, and advertising injury.

  • Slip and fall accidents
  • Property damage to others
  • Legal defense costs
  • Medical payments

Business Owners Policy (BOP)

Combines general liability and property insurance in one package—usually more affordable than buying separately.

  • Building and equipment
  • Business interruption
  • General liability
  • Customizable coverage

Commercial Property

Covers your building, equipment, inventory, and furnishings from fire, theft, and other covered perils.

  • Building coverage
  • Business personal property
  • Business interruption
  • Equipment breakdown

Workers Compensation

Required in Florida if you have 4+ employees (or 1+ in construction). Covers employee injuries on the job.

  • Medical expenses
  • Lost wages
  • Disability benefits
  • Legal protection

Commercial Auto

Covers vehicles used for business purposes—whether company-owned or employee-owned vehicles used for work.

  • Owned vehicles
  • Hired/leased vehicles
  • Non-owned auto liability
  • Higher liability limits

Professional Liability (E&O)

Covers claims of negligence, errors, or omissions in professional services you provide.

  • Legal defense costs
  • Settlements/judgments
  • Coverage for past work
  • Industry-specific options

Cyber Liability

Protects against data breaches, cyberattacks, and privacy violations—essential in today's digital world.

  • Data breach response
  • Notification costs
  • Business interruption
  • Ransomware coverage

Commercial Umbrella

Additional liability coverage that kicks in when your primary policies are exhausted. Usually starts at $1M.

  • Extra liability protection
  • Affordable coverage
  • Broader protection
  • Peace of mind

Industries We Serve

🏗️ Contractors
🍴 Restaurants
🏪 Retail Stores
💼 Professional Services
🏥 Healthcare Providers
💇 Salons & Spas
🏋️ Fitness Centers
🚚 Transportation
🏢 Office Buildings
🛠️ Manufacturing
📦 Warehousing
🏨 Hospitality

Why Work With Us?

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Business Owner to Business Owner

I've run an insurance business for 40+ years. I understand the risks you face because I face them too.

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Customized Coverage

No cookie-cutter policies. We'll build coverage specific to your industry and risk profile.

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Multi-Carrier Options

We shop multiple carriers to find you competitive rates without sacrificing coverage quality.

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Direct Access

No call centers. You work directly with experienced professionals who know your business.

Fast Turnaround

Need coverage quickly? We understand business moves fast. We'll get you quoted and bound efficiently.

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Claims Advocacy

When claims happen, we're in your corner fighting for fair treatment and fast resolution.

Let's Protect Your Business

Get a customized commercial insurance quote

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