Keep the doors open, the crew working, and the contracts signed.

Business

What it covers

General liability, property, business income, equipment, and crime — often packaged as a BOP for smaller operations.

Why you need it

One slip-and-fall claim or one week of closed doors after a storm can end a small business. We build the package around how you actually operate, not a generic class code.

Commercial Automobile

What it covers

Owned, hired, and non-owned vehicles: liability, physical damage, uninsured motorist, and cargo where it applies.

Why you need it

Personal auto policies deny business-use claims. If employees drive for work — even in their own cars — the exposure lands on the company.

Professional Liability

What it covers

Claims of negligence, errors, omissions, or bad advice in the professional services you deliver. E&O, malpractice, and tech E&O.

Why you need it

General liability covers bodily injury and property damage, not a mistake in your work product. Many contracts and licensing boards require this coverage before you can start the job.

Workers Compensation

What it covers

Medical care, lost wages, and rehabilitation for employees injured on the job, plus employer's liability.

Why you need it

Florida requires it for most employers, and construction thresholds start at one employee. We shop class codes and payroll audits so you are not overpaying every year.

Business Umbrella

What it covers

Additional liability limits over general liability, commercial auto, and employer's liability.

Why you need it

Landlords, lenders, and large clients frequently demand higher limits than a base policy carries. Umbrella coverage clears those contract requirements at a fraction of the cost of raising every underlying policy.