Protect your Florida business with comprehensive commercial insurance from FreedmanBrokerInsurance. We compare 40+ top commercial carriers to find the right coverage at the best price for your company — from small retail shops to large manufacturing facilities.
We make protecting your business simple, affordable, and stress-free. Our commercial insurance specialists understand Florida's unique business landscape and work with 40+ carriers to find the perfect coverage for your industry.
Protect your business buildings, equipment, inventory, and furniture from fire, theft, natural disasters, and vandalism.
Essential coverage that protects against third-party claims of bodily injury, property damage, and advertising injury.
Coverage for business-owned vehicles, delivery fleets, and employee-driven vehicles with higher liability limits.
Required for businesses with 4+ employees. Covers medical expenses and lost wages for work-related injuries.
Protects professional service providers from claims of negligence, errors, and omissions that cause client financial loss.
We specialize in construction, healthcare, manufacturing, retail, professional services, and more with tailored coverage packages.
Protect every aspect of your business with our wide range of commercial insurance solutions tailored to Florida businesses.
Covers business buildings, equipment, inventory, and furniture from covered perils like fire, theft, wind, and hail. Can include business income coverage.
Protects against third-party claims for bodily injury, property damage, personal injury, and advertising injury occurring on your premises or from operations.
Covers company vehicles, delivery trucks, and employee-driven vehicles. Includes liability, physical damage, and cargo coverage.
Florida requirement for 4+ employees. Covers medical expenses, lost wages, and rehabilitation for work-related injuries or illnesses.
For consultants, attorneys, architects, and other professionals. Covers negligence claims, errors, omissions, and defense costs.
Bundle property and liability into one affordable policy. Perfect for small to medium-sized businesses looking to save and simplify.
Covers data breaches, cyber attacks, ransomware, and privacy liabilities. Essential for businesses handling sensitive customer data.
Provides additional liability coverage beyond your primary policy limits. Protects against large, catastrophic claims.
Covers lawsuits from employees for workplace injuries not covered by workers' comp, such as discrimination, harassment, or wrongful termination.
Protects against employee theft, dishonesty, and fraud. Covers losses from fraudulent acts by employees or contractors.
Protects corporate directors and officers from personal losses if sued for alleged wrongful acts in managing the company.
Covers breakdown of critical equipment, boilers, and machinery. Includes repair costs and business interruption losses.
Join thousands of Florida businesses that trust us with their commercial insurance needs.
"As a contractor, finding reliable commercial insurance was crucial. FreedmanBrokerInsurance found us comprehensive coverage at a great rate. Their understanding of construction risks is unmatched."
"We've been with FreedmanBrokerInsurance for 5 years now. Their agents truly understand healthcare practice needs. Workers' comp and liability coverage that actually works for our clinic."
"When we needed cyber liability coverage, they found us a comprehensive policy at a price our tech startup could afford. The agent explained everything clearly. Highly recommend for any business."
Get a free, no-obligation commercial insurance quote in minutes. Our business insurance specialists will help you identify coverage needs and find the best rates from 40+ carriers.
Quick answers to common questions about commercial insurance in Florida.
Requirements vary by business type and industry. Generally, workers' compensation is mandatory for businesses with 4+ employees (construction requires it regardless). Commercial auto is required for business vehicles. General liability and commercial property are typically required by landlords or lenders. Our agents will help you identify all mandatory coverages for your specific business.
Costs vary dramatically based on business type, revenue, employee count, claims history, location, and coverage limits. Small businesses might pay $500-$2,000 annually for basic coverage, while larger operations can pay tens of thousands. We comparison shop 40+ carriers to find the most competitive rates for your specific business profile.
General Liability (GL) covers physical damage and injury claims — slip and fall accidents, property damage, bodily injury, and advertising injury. Professional Liability (E&O) covers financial harm caused by professional advice or services — negligence, errors, omissions, and failure to deliver promised services. Most businesses need GL; professional services need both.
Yes. If you or your employees use personal vehicles for business purposes (deliveries, client meetings, transporting tools/equipment), you need commercial auto insurance. Personal auto policies typically exclude business use and could deny claims if an accident occurs while conducting business. Commercial auto provides higher liability limits and proper coverage for business activities.
Absolutely! A Business Owner's Policy (BOP) bundles general liability and commercial property. You can also bundle commercial auto, workers' comp, and other coverages with the same carrier for package discounts. Bundling simplifies billing, reduces gaps in coverage, and typically saves 10-25% on premiums. We'll design the optimal package for your business.
Cyber liability covers costs from data breaches, hacking, ransomware attacks, and other cyber incidents. It includes: customer notification costs, credit monitoring, forensic investigation, business interruption losses, data restoration, regulatory fines, and legal defense costs. Essential for any business storing customer data, processing payments, or handling sensitive information.