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Commercial insurance for your business in Florida
YR Insurance Services Florida — Tu Agencia de Seguro Comercial en Español
BOP, GL, Workers Comp, Commercial Auto. For LLCs, S-Corps, food trucks, beauty salons, contractors, restaurants — whatever your business needs, we get it.
- Certificate of Insurance 24h
- Workers Comp for employees
- Commercial vehicles
- Liquor + builder's risk
★★★★★4.9 / 5.0 · 1,690 Google reviews
Get a quote for your business
Free · No obligation · COI in 24h
Start a free quote →🔒 Secure data · We never share it
Coverage for every type of business
What business insurance do you need?
📦
BOP — Essential Florida Business Insurance
The "combo" for SMEs. Combines General Liability + Property in a single policy. More economical than buying them separately. For retail, offices, and restaurants.
Most popular⚖️
General Liability — Florida Commercial Liability Insurance
It protects against third-party claims for bodily injury or property damage. Almost every landlord or contract requires it.
Mandatory👷
Workers' Compensation — Florida Commercial Insurance required for 4+ employees
If you have employees (even just one) in Florida, it's required by law for certain industries. It covers workplace injuries. We work with NCCI and employers.
Florida Law🚚
Commercial Auto / Fleets
For business vehicles: vans, trucks, food trucks, commercial vehicles. Specific coverage different from personal insurance.
For fleets🔨
Builder's Risk + Contractors
Are you building or remodeling? Specific coverage for contractors: tools, equipment, project liability, surety bonds.
Construction🍷
Liquor Liability + Restaurant
Do you serve alcohol? Liquor liability covers related incidents. Combined with a specialized F&B BOP.
F&B"I got my GL in 24 hours and I opened my business on Monday."
— YR Client · Beauty Salon in Florida · ★★★★★ Google review
Why Florida businesses choose YR
24h
Certificate of Insurance issued
15+
commercial companies that we compare
+200
local SMEs insured
1,690
5★ Google reviews
Frequently Asked Questions
Commercial insurance in Florida — the most frequently asked question
How much does a BOP cost for my business in Florida?
It depends on the type of business, revenue, and number of employees. A BOP for a small office varies depending on the industry and size. For a restaurant or shop, it depends on the industry and volume. For a contractor with a fleet, it depends on the fleet size and number of employees. Get a free quote tailored to your specific needs.
Do I need Workers Comp if I only have 1 employee?
In Florida, most industries Yes: if construction has 1+ employees, other industries have 4+ employees. We'll tell you exactly what FL requires for your industry.
Can they issue a Certificate of Insurance (COI) quickly?
Yes. Once your policy is activated, we issue COIs. the same day For your landlord, client, contractor, or licensee. By email + mail if you need the original.
Do you work with newly opened LLCs and S-Corps?
Yes. Getting insured on day 1 is what we highly recommend. We insure LLCs with zero historical income (some carriers require projections or historical data; we'll guide you).
Do you have insurance for Uber Eats / DoorDash / Lyft?
Yes — that bouquet is called commercial rideshare/deliveryYour personal insurance does NOT cover you while you are working. We have endorsements with Progressive Commercial, Kemper Commercial, and Hippo.
Do they cover contractors without an American license?
Yes, for liability insurance. For workers' compensation and bonding, it depends on the state license. We provide quotes based on your specific case.
Ready to secure your business in Florida?
Free quote · COI in 24h · Support in Spanish
OFFICIAL AGENCY
YR Insurance Services Florida
YR Insurance Services is your bilingual agency specializing in Commercial insurance in Florida Since 2012, we've compared policies from Hartford, Travelers, Liberty Mutual, and Nationwide to find the best one for you. Florida commercial insurance more economical — BOP, General Liability, Workers Comp, Surety Bonds and Business Interruption coverages.
Our agency YR Insurance Services Florida She has 14 years of experience helping Hispanic families understand insurance policies. Commercial insurance in Florida No fine print. Get a quote for your Florida business insurance today and receive a response within 24 hours.
14 years in Florida+1,690 reviews 5.0Bilingual ES/EN
Commercial insurance in Florida for your small business
EN YR Insurance Services we assembled the Commercial insurance in Florida Your business needs: general liability, property, BOP, workers' compensation, business interruption, and surety bonds. We serve Hispanic restaurants, stores, food trucks, salons, and contractors in Hialeah, Miami, and throughout Florida — comparing over 100 Spanish-speaking companies.
What kind of insurance does a small business or restaurant need?
Most start with a BOP (liability + ownership) and add workers' compensation if they have employees; bars and restaurants serving alcohol need liquor liability insurance. We explain everything in our small business insurance guide in Florida.
Is the workers' compensation comp mandatory in Florida?
Under construction from the first employee; in other sectors, with four or more employees. We'll confirm if this applies to you in minutes.
Do I need a surety bond for my license?
Many contractors do. Look at our Florida surety bond guide for contractors.
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Leer artículo →Continue learning about Commercial Insurance in Florida
Check out our guides on Workers' Compensation, General Liability, Surety Bonds, Business Interruption, and everything your Hispanic business in Florida needs to operate safely.
Specific Commercial Coverage in Florida
Beyond the basic BOP, these are the coverages your business likely needs and that are often missing from your policy.
Surety Bonds
If you're a contractor in Florida, you almost certainly need a bond. It's a three-party guarantee: you, the client or government agency, and the insurance company.
- License Bond: required by the Florida Construction Industry Licensing Board (FRO bond typically $100,000)
- Performance Bond: guarantees that you will finish the project
- Payment Bond: ensures that you pay subcontractors and suppliers
- Typical cost: 1-3% of the bond amount/year
- Applicable to: contractors, licensed food trucks, and restaurants with liquor licenses
Business Interruption Insurance
The coverage that 75% of Hispanic SMBs in Florida forget about. It covers lost income when your business is unable to operate due to a covered event (hurricane, fire, water damage, etc.).
- It pays you the income lost during the closure period.
- It covers rent, salaries, and utilities while you're away.
- Typical period: 12 months of coverage
- Post-Hurricane Ian (2022): 75% of the SMBs that closed did NOT have BI. Many went bankrupt.
- Cost: 1-3% extra of the BOP
Comercial · YR Insurance Services
Commercial insurance for your business in Florida
We compare over 100 insurance companies in Florida and find you the best deal. No tricks, no fine print. We insure businesses from Hialeah to Inverness and all of Florida.
General Responsibility (GL)
It covers injuries to third parties and damage to other people's property on your premises or due to your operation.
Surety Bonds
Contractor license bonds, performance bonds, and payment bonds.
Loss of Income (BI)
It covers lost profits if your business closes due to fire, damage, or disaster.
Workers Comp
Employee compensation · mandatory FL if you have 4+ employees (1+ in construction).
Commercial Auto / Fleets
Commercial vehicles: vans, trucks, fleets. Liability + cargo + non-trucking.
CBD Stores and Smoke Shops
Liability and property coverage for CBD, vape, and smoke shops in Florida — a niche that many insurers reject, but that we provide.
We work with the best insurance companies
Berkshire HathawayTokio MarineGrenadeAscendantUSLIEmployersPrimeProgressive CommercialGeico CommercialNational General
YR Insurance Services es una agencia de seguros con licencia en Florida. Verifica licencias y tus derechos como consumidor en la Florida Office of Insurance Regulation (FLOIR).