Business coverage
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What coverage does your business really need, and who decides?
A Florida business typically carries four coverages: general liability for third-party claims, commercial property for what it owns or leases, commercial auto for vehicles used for work, and workers' compensation for employee injuries. It is the one Florida law requires directly, and only once it passes a threshold that varies by industry. What drives the rest is usually a contract.
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3 steps. That's it.
- Answer a few questions
- We compare carriers
- An agent usually replies within 30–60 minutes during business hours
Questions from Miami Business Owners
When does Florida require workers' compensation?
A client is asking me for a certificate of insurance. What is that?
I use my car for work. Is it covered by my personal policy?
I run my business from home. Is it covered by my homeowners insurance?
Do I need coverage before I have employees?
More answers on our insurance blog.
Nobody buys business insurance because they want to
Nobody buys business insurance on a whim. The call almost always starts the same way: a client won't release a purchase order without a certificate, a landlord won't hand over the keys, a general contractor won't let equipment onto the site, or somebody got hurt last Tuesday. It isn't about finding a solution. It's about unblocking something, usually against a deadline. That's worth saying out loud, because it changes what matters. The question is rarely "what's the best policy." It's "what exactly does this contract require, what do I already have, and how fast can I show it."
The four coverages and what each one answers
Different risks, different policies. Most businesses end up with a combination of these rather than all four.
General Liability
This answers situations where a third party — a customer, a visitor, someone walking past — claims your business caused them bodily injury or property damage. It's the coverage nearly every commercial contract and lease names explicitly, and the one that appears on the certificate they ask for.
Commercial Property
This covers what the business owns or leases: the building if you own it, and the equipment, inventory, furnishings, and improvements you've made to a leased space. In a lease, the landlord's policy generally covers the building itself and not what you keep inside it, and that distinction surprises people after a claim rather than before one.
Commercial Auto
This applies to vehicles used for work. It's the line businesses cross without noticing: a personal auto policy is written for personal use, and using the vehicle for the business can change how a claim is handled. If employees drive their own cars for work, that's a separate question again.
What it usually covers
- Usually covered: General liability for claims from clients and the public
- Usually covered: The certificates of insurance your contracts ask for
- Usually covered: Your equipment and business property
- Not covered: Employee injuries usually need a separate workers' comp policy. Talk to an agent.
Coverage depends on the carrier and the policy you choose.