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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.

    Trusted by over 1 million small businesses nationwide

    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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    Man with Florida business insurance works in a commercial van

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