Florida Business Insurance

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Small business insurance in Florida

Business owners in the Sunshine State should consider several types of commercial insurance for financial and legal reasons.

For example, if you employ one or more of Florida's 3.6 million small business employees, you need workers' compensation insurance. You should also consider other types of coverage for your daily operations, business property, and electronic data.

Progressive Commercial can help you personalize a Florida business insurance policy with the protection you need. Start an online quote or call to speak with one of our small business experts.

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Types of FL business insurance

General liability

General liability insurance for small businesses in Florida is the most common type of coverage, and nearly all businesses should consider it. General liability protects against third-party bodily injury, property damage, personal and advertising injury, and more.

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Commercial auto

If your business relies on vehicles for work, like transporting supplies or traveling to job sites, you need commercial auto insurance. It protects your company in case of accidents and can cover things like injury, property damage, and repairs.

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Workers' compensation

Florida law requires workers' comp if your business has employees. This insurance helps pay for medical costs and lost wages if workers get hurt or sick because of their job.

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Business owners policy (BOP)

A BOP combines property and liability coverage into one easy-to-manage policy. It's a great option for small and medium-sized businesses that rent or own commercial property and want coverage for furniture, tools, and equipment.

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Professional liability

Florida businesses that provide professional services should consider this coverage, also known as errors and omissions insurance (E&O). It protects businesses from claims of professional negligence and helps pay for legal costs.

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Cyber

Cyber insurance protects businesses from electronic threats, such as cyber attacks and data breaches. It helps cover investigative services, data recovery, legal fees, and settlement costs. Businesses that store or manage customer data should consider this coverage.

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How much is business insurance in Florida?

In 2024, the national median cost of business insurance for new Progressive Commercial customers ranged from $42 per month for professional liability to $80 per month for workers' comp.

The cost of business insurance in Florida can vary based on things like your business's size, location, and coverage needs. For example, a business on the Miami coast might pay more than one located inland near Gainesville because these cities have different risks, such as weather, population density, and local economies.

But the most influential factor is the type of work you do. Professions are typically rated on the exposures that are unique to their industry. Businesses that are considered high risk are likely to pay more for coverage.

Learn more about  what affects your business insurance rate, and start an online quote to find out how much you'll pay for coverage.

Florida business insurance requirements

One type of business insurance required by state law is Florida workers' comp. Employers must carry this coverage to protect their employees if they become injured or ill at work.

Workers' comp requirements depend on your industry, number of employees, and other factors. For example, coverage must be provided for construction businesses with one or more employees and non-construction businesses with four or more employees.

Even if you're not legally required to carry other types of coverage, you probably should consider them. Insurance helps minimize the financial impact of unexpected incidents.

Explore more business insurance resources.

Resources for Florida small business owners:

Commercial Property Insurance Overview (Florida Department of Financial Services, Division of Consumer Services)
Workers' Compensation Requirements in Florida (Florida Department of Financial Services, Division of Workers' Compensation)
Workers' Comp FAQs (Florida Department of Financial Services, Division of Workers' Compensation)
2025 Florida Small Business Profile (U.S. Small Business Administration)

Florida professions we insure

We help small business owners from a wide variety of industries, including these common professions:

Browse other professions we insure.

Why choose Progressive Commercial

Options

We can help you get coverage at any stage of your development with the flexibility to adjust your policy as your business changes. Our experienced agents will work with you to ensure you get protection that meets your needs and budget.

Experts

As America's #1 commercial auto insurer,^* you can trust us with your Florida business insurance needs. Our team of specially trained, in-house agents will assist you every step of the way to make sure you're getting the right coverage for your business.

Convenience

There are several ways to get a quote, whether you need a single Florida business insurance policy or a combination of coverages. Start a quote online or  call us to speak with an agent.