From restaurants and boutiques on Scenic 30A to construction firms in Freeport and offices in Miramar Beach, we write commercial property, business owners' policies (BOP), general liability, workers compensation, and commercial auto for businesses across the Florida Panhandle. Coastal commercial property requires the same wind/flood discipline as residential — and we apply it.
Business owners policy (BOP) basics
A BOP bundles property, general liability, and business interruption into one efficient policy for most small businesses. Coastal BOPs need careful wind sublimits and ordinance-or-law endorsements.
Workers comp in Florida
Florida requires workers comp for most businesses with four or more employees (one or more in construction). We place coverage with both standard-market carriers and the state assigned-risk pool when needed.