Business insurance in Florida for growing companies
Coverage for day-to-day operations
Insurance that keeps your business on track
Running a business in Florida means balancing opportunity with real exposure, from customer-facing risk to storm-driven interruptions. Business insurance protects your company against common losses like third-party injuries, property damage, vehicle accidents, and employee claims.
GM Insurance Underwriters works with small to mid-sized businesses across Florida, including Jacksonville, Orlando, Tampa Bay, and South Florida markets. As an
independent agency, we compare multiple carriers so you get coverage that fits your industry and budget.
Core policies most Florida businesses need
Start with the essentials, then tailor
Many businesses begin with a solid base of coverages and expand as they grow. Common policies include
general liability, commercial property, business interruption, workers’ compensation,
commercial auto, professional liability,
cyber liability, and an umbrella policy for higher limits. We keep this overview clear and connect you to deeper details when you need them.
If your company also manages job sites or contracts, our construction-specialty experience helps ensure your commercial program is structured cleanly and meets client expectations.
Industry-aware guidance
We support a wide range of Florida businesses
Different industries face different pressure points. Retailers and restaurants deal with public foot traffic and inventory risk. Professional offices may need stronger professional liability and cyber protection. Property-related businesses often need careful liability and building coverage.
We take time to understand your revenue streams, locations, staffing, and contracts before
recommending a plan. That way your policy reflects your real operations, not a generic checklist.
Bundling and cost efficiency
Smart packaging for simpler management
Many Florida businesses qualify for a
Business Owner’s Policy, which combines liability and property with helpful extensions. For larger or specialized companies, we build custom packages using stand-alone policies and endorsements.
We also
review policies at renewal to make sure pricing, limits, and carriers still match your goals. If the market shifts, we can pivot with you.
Support beyond the sale
Certificates, changes, and real help when it counts
Business insurance should work in real time. We help with certificates of insurance, policy updates, coverage questions, and claims guidance so you are not left handling issues alone. Florida businesses move quickly, and when something changes in your operation, we keep your coverage aligned without delays.
Business insurance FAQs
Is business insurance required in Florida?
Some coverages are required depending on industry and staffing. Even when not legally required, most businesses need liability and property protection to sign leases and client contracts.
How much does business insurance cost?
Cost depends on your industry, revenue, payroll, locations, and coverage limits. We shop multiple carriers to find competitive options for your specific risk.
Can you cover both my business and personal policies?
Yes. Many owners place business coverage alongside home, auto, flood, or umbrella policies for consistency and convenience.