We place the cover a Florida business is actually asked for: general liability, a business owners policy, workers compensation, commercial auto, professional liability, cyber, umbrella and excess, and the surety bonds contractors need to hold a licence.
Live FEMA flood hazard and the county parcel roll. A real answer, not a sample.
Being independent matters more on the commercial side than the personal one. Commercial appetite changes constantly, and a risk one carrier declines this quarter another writes without comment. Not being tied to a single carrier is what makes that placeable.
A commercial file is rarely one policy. The building needs property and flood, the operation needs liability, the vehicles need commercial auto, and the moment there is a payroll there is a workers compensation obligation that Florida takes seriously.
We would rather map the whole thing once and tell you which parts can wait than sell one policy and let you find the gaps during a claim.
Contractor licence bonds, performance and payment bonds. If you are pulling permits in Collier, Lee or the surrounding counties we have placed this before and know what each building department actually asks for, which is not always what the statute says.
Workers compensation and general liability usually travel with it, because the general contractor will ask for certificates before you set foot on the job.
The checker on this site works on commercial parcels as well as houses. It returns the FEMA flood zone and the county property tax for the exact parcel, free and without a signup, which is usually the fastest way to see what a building really costs to hold.
Flood is excluded from essentially every commercial property policy, the same way it is excluded from a homeowners one. It is a separate policy, and on commercial buildings it is the gap that most often turns out to be uncovered after the fact. Three things make it bite harder on a business than on a house. First, the NFIP caps commercial cover at $500,000 for the building and $500,000 for contents, which is well short of what a lot of Florida commercial buildings and their inventory are worth, so excess flood is frequently the only way to be whole. Second, NFIP flood does not pay for business interruption at all, so the weeks you spend closed and drying out are yours. Third, if there is a mortgage on the building and it sits in a Special Flood Hazard Area, the lender will require flood cover, and they will force place it at their price if you do not carry it. So we quote flood alongside the property cover rather than after it, and we check first whether the requirement can be removed instead of insured.
Flood zone, county taxes and insurance in about a minute. No account needed to start.