Commercial Lines
Commercial Business Insurance in Florida
Protect your business. Every side of it.
If you run a business in Florida, you need commercial insurance. At a minimum, most businesses need a general liability policy, and many commercial landlords, general contractors, and licensing boards require it before you can sign a lease, bid on a job, or open your doors. Florida's unique risk profile, including hurricanes, an aggressive liability climate, and one of the most litigious environments in the country, makes the right coverage even more critical.
Seraphin Insurance Group covers over 1,300 business types through our carrier network. For straightforward operations, you can get an instant quote online and bind coverage the same day. For larger or more complex businesses, we build custom packages by shopping multiple carriers on your behalf. Our core lines include general liability, business owners policies, workers' compensation, professional liability, commercial auto, umbrella, and tools & equipment coverage.
As an independent agency, we're not locked into one carrier. That means better pricing and more options than going direct. We're based on the Space Coast in Brevard County and licensed in the State of Florida.
Coverage we offer.
Industries we serve.
Don't see your industry? We cover over 1,300 business types. Get a quote.
Frequently asked questions.
What commercial insurance does my Florida business need?
At minimum, most Florida businesses need general liability insurance. If you have employees, you likely need workers’ comp. If you have a physical location, a BOP (business owners policy) bundles GL with property coverage at a discount. The exact package depends on your industry, revenue, and risk profile.
How much does commercial insurance cost in Florida?
Most small businesses pay between $350 and $3,000 per year for general liability with standard $1M/$2M limits. Workers’ comp, BOP, and other coverages vary by payroll, revenue, and industry. Contractors and restaurants typically pay more due to higher risk exposure.
Do I need workers’ comp in Florida?
If you’re in construction, yes — with even one employee. Non-construction businesses need it with four or more employees. Operating without required workers’ comp is a criminal offense in Florida with fines of $1,000 per day.
What’s the difference between GL and a BOP?
General liability covers third-party injury and property damage claims. A business owners policy bundles GL with commercial property insurance and business income coverage — typically at a 10–20% discount versus buying each separately. If you have a physical location, a BOP is almost always the better value.