Insurance Built Around Your Business

Online policies are built for the average business. Yours isn't average — and in Fort Lauderdale, where a marine contractor, a restaurant, and a retail shop all face completely different risks, generic coverage can leave serious gaps. We sit down with you, review what you actually do, and build a commercial policy around the real exposures your business faces.

What We Cover for Small Businesses

Whether you're running a construction crew in Pompano Beach, a café in Wilton Manors, or a professional services firm in Plantation, your coverage needs are specific to your operation, your lease, and your industry, we make sure they work together.

Two professionals in hard hats discussing by a glass building exterior.

Commercial Property Insurance

Covers the physical assets your business depends on — your building, equipment, inventory, and furnishings — against fire, theft, storm damage, and more. Florida weather alone makes this one non-negotiable.

Brick storefronts with black awnings and outdoor tables on a city sidewalk

General Liability Insurance

Protects your business if a customer is injured on your property, if your work causes damage, or if you're named in a lawsuit. One claim can be expensive. The right liability limit keeps it manageable.

Line of white trucks and vans on a cargo ship or truck carrier, loaded side by side under a cloudy sky

Commercial Auto Insurance

If your business uses vehicles — service vans, delivery trucks, company cars — personal auto policies won't cover accidents that happen on the job. Commercial auto fills that gap.

Construction workers in blue and orange gear moving a long pipe at a muddy building site

Workers' Compensation Insurance

Florida law requires workers' comp for most businesses with four or more employees — and for construction businesses with even one. We'll help you understand your obligation and get you properly covered.

Why Business Owners Call Us Instead of Buying Online

Online platforms have made it easy to buy a commercial policy in ten minutes. The problem is that business insurance is underwritten on risk profile — and a ten-minute application can't capture the details that determine whether you're actually covered when something goes wrong.


We've reviewed policies that looked fine on paper and found gaps a business owner had no idea existed: a lease clause requiring higher liability limits than the policy carried, an excluded operation that matched exactly what the business does, a workers' comp classification that didn't reflect the actual job.


When you work with us, a real agent reviews your business — what you do, where you work, who you employ, and what your contracts require — before we recommend anything.


  • In business since 1993, serving Broward County commercial clients for 30+ years
  • All policies handled in-house — no outsourcing, no third-party call centers
  • One office, real people, and an agent who knows your account by name
  • Fast certificate of insurance turnaround — most COIs go out the same day requested

Need a Certificate of Insurance Today?

We hear this one a lot. A contractor wins a job and the GC needs a COI before work starts. A vendor gets approved for a market and the organizer needs proof of liability by end of day. Because we handle every policy in-house and know our clients' accounts, we can turn certificates around fast — call us in the morning and it typically goes out the same day.

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FREQUENTLY ASKED QUESTIONS

Common Questions About Business Insurance

  • Is business insurance required by law in Florida?

    Workers' compensation is required for most Florida businesses with four or more employees, and for any construction business regardless of size. General liability and commercial property are not legally mandated in most cases, but many landlords, contracts, and licensing boards require them. We'll help you sort out what's required versus what's simply smart to carry.

  • I already bought a policy online. Should I have someone review it?

    It's worth a conversation. Off-the-shelf commercial policies are written broadly, and they don't account for your specific lease terms, industry risks, or the way your business actually operates. We're happy to review what you have and tell you honestly whether it's doing the job — no pressure to switch.

  • What kinds of businesses do you work with?

    We work with a wide range of Fort Lauderdale and Broward County businesses: marine and watercraft-related trades, hospitality and restaurants, construction contractors, retail shops, professional services firms, and more. If you're running a business in South Florida, we're familiar with the risks that come with it.

  • How do I get a quote for commercial insurance?

    Give us a call or send us a message. We don't do instant online quoting for commercial lines — business insurance takes a real conversation to get right. We'll ask about your operations, your employees, your property, and your existing coverage, and we'll come back to you with options that actually fit.