Business Insurance in Florida

Simple and easy insurance for your Florida business.


We cover many types of businesses and professionals in Florida

Owning a small business in Florida is an exciting venture, but it comes with its share of risks. Your hard work and dedication deserve protection, and that’s where we come in.

Accountants Professional Liability Insurance in Florida

As an accountant in Florida, you understand the complexities and risks associated with providing financial advice and services. Our Accountants Professional Liability Insurance is tailored to protect you from the unique challenges you face. From allegations of negligence to mistakes in your work, we’ve got you covered, allowing you to focus on what you do best—managing finances and helping clients thrive.
  • Up to $600 per day to help cover earnings lost while attending a trial, hearing, or arbitration proceeding
  • Protects innocent accountants from losing coverage when another accountant at the firm commits a wrongful act
  • Coverage for wrongful acts made while serving as a director or officer of a not-for-profit organization

Engineers Professional Liability Insurance in Florida

Engineers play a crucial role in shaping Florida’s infrastructure and development. However, with this responsibility comes the risk of errors or omissions in your work. And we know that with professional liability insurance, one size does not fit all. We work with ASCE, whose expanded program includes higher limits and broader coverage to protect you from potential lawsuits and claims.
  • Coverage limits up to $10 million1
  • Professional services including engineer, surveyor, and architect with broader definitions available2
  • Supplementary payout to offset claims expenses (e.g., court costs, lawyers, witnesses)
  • Loss of earnings reimbursement
  • Reputation management expenses in the event of a crisis (e.g., advertising, PR, media analysis)
  • Legal counsel and defense of all claims

1Available to qualifying firms; subject to underwriting.

2Depending on plan, may be included or may be specifically named by endorsement if exposure is reported.

Lawyers Professional Liability Insurance in Florida

Legal practice in Florida demands precision, expertise, and attention to detail. Our Lawyers Professional Liability Insurance provides financial support if an alleged error or omission results in a lawsuit. Whether it’s a client dissatisfied with your services or an error in legal advice—our coverage ensures you can continue to practice law with confidence.
  • Supplementary payments
  • Network damage
  • Subpoena assistance
  • Deductible reductions

Real Estate Errors & Omissions (E&O) Insurance in Florida

As a real estate professional in Florida, your clients rely on your expertise to navigate complex transactions. However, mistakes can happen, leading to potential legal actions. We offer an E&O policy that’s designed by and for real estate professionals—not something generic that’s been modified, pieced together, and missing what you need.
  • Agent-owned residential property transaction coverage option
  • Subpoena assistance (no-cost legal assistance)
  • Lockbox and open house coverage to full policy limits
  • Mold coverage with limits beginning at $250,000
  • Public relations advisory services
  • Fair housing discrimination claims
  • Environmental “Failure to Advise” coverage

Orthodontists Malpractice Insurance in Florida

Orthodontists in Florida provide essential dental care, but even the most skilled professionals can face malpractice claims. From misdiagnoses to treatment errors, malpractice insurance ensures you can continue to provide quality care without added stress. AAOIC provides a stable, affordable source of professional liability insurance for members of the AAO who practice in the United States. Plus, it’s the only malpractice insurance that’s endorsed by the AAO. 
  • First-time buyers’ credit
  • Policyholders become shareholders
  • Earnings are used to pay dividends to lower premiums
  • No hammer clause
  • Additional discounts available

Garage Liability Insurance in Florida

Operating a garage in Florida comes with inherent risks, from accidents involving customer vehicles to slips and falls on your premises. No matter what your automotive business specializes in, one thing is certain: garage liability insurance is a must. Pearl’s AutoShield Plus program provides robust garage liability insurance, so you can run your automotive business with confidence.
  • Exclusive product through AmTrust North America
  • Limited access to this exclusive product
  • Longevity—specialized program since 2016
  • In-house underwriting authority
  • Policy form designed for risks specific to the repair/aftermarket industry

Business Owners Policy (BOP) Insurance in Florida

As a business owner, you pour your heart and soul into making your venture a success—protecting it with comprehensive insurance is crucial. A Business Owners Policy (BOP) provides a solid foundation of coverage, combining essential protections into one convenient package. 

  • General liability coverage—helps protect your business from claims of bodily injury or property damage caused by your operations, products, or premises
  • Property coverage—safeguards your business property, including buildings, equipment, inventory, and furniture, against threats such as fire, theft, vandalism, and natural disasters
  • Business interruption coverage—helps replace financial losses resulting from temporary closure or suspension of your operations due to covered threats

Cyber Liability Insurance in Florida

In today’s digital age, technology plays a vital role in the success of businesses. With increased connectivity and reliance on digital systems, the risk of cyber threats and data breaches is ever-present. Cyber Liability Insurance offers comprehensive protection tailored to the unique challenges of the digital landscape. From network security breaches to cyber extortion and business interruption, this insurance coverage shields your business from the financial and reputational damages caused by cyber incidents. 

  • Data breach response—covers the costs associated with responding to a data breach, including notifying affected individuals, providing credit monitoring services, and more
  • Cyber extortion coverage—for expenses related to responding to cyber extortion threats, including ransomware attacks, and the costs of negotiating with and paying extortionists
  • Cyber risk management—offers resources and guidance to help you mitigate cyber risks before an attack occurs, potentially saving you thousands

Employment Practices Liability Insurance in Florida

Fostering a positive work environment and ensuring fair employment practices are vital to the success of any organization. As a business owner, you invest significant time and effort in building a strong team and nurturing a culture of inclusivity. However, even with the best intentions, employment-related disputes can arise. Employment Practices Liability Insurance (EPLI) provides protection against malpractice suits and physical damages to your office and its contents, as well as claims of discrimination, sexual harassment, and wrongful termination. 

  • Wrongful termination protection—shields your business against claims of wrongful termination, including allegations of discrimination, retaliation, or violation of employment contracts
  • Harassment and discrimination coverage—for claims related to harassment or discrimination based on factors such as age, gender, race, religion, or disability
  • Wage and hour dispute protection—for claims related to alleged violations of wage and hour laws, including allegations of unpaid wages, overtime, or improper classification of employees

Workers Compensation Insurance in Florida

At the heart of every thriving organization are the dedicated individuals who bring their skills and talents to the table. As an employer, it’s your responsibility to ensure their well-being and provide a safe work environment. Workers Compensation Insurance offers a safety net for both you and your employees, offering financial protection and support in the event of work-related injuries or illnesses. 

  • Medical expenses coverage—for treatment and rehabilitation costs for employees injured on the job
  • Lost wages and disability benefits—provision of compensation to employees unable to work due to work-related injuries or illnesses, including disability benefits
  • Death benefits—financial support for the dependents of employees who suffer fatal work-related injuries or illnesses

Other Insurance in Florida

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