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Florida Business Insurance

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We Make Your Business A Priority.

As a small business owner, you face a variety of unique challenges and circumstances. Having secure, personalized business insurance can offer invaluable protection and peace of mind.

Types of Business Insurance Coverage

Business

Combine the most critical coverages businesses need into one convenient and cost-effective policy.

General Liability

Protect your business assets from lawsuits arising from things like negligence or personal injury

workers compensation insurance in florida

Workers Comp

Compensate employees for expenses associated with work related injuries or illnesses like medical bills, rehabilitation and lost wages.

What business insurance do I need?

Business insurance helps protect your business from financial losses caused by risks to your property and income. Covered risks can include things like theft, damage, and lawsuits.
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Commercial Property

Protect your physical property including tools, computers, inventory and even accounts receivable.

General Liability

Protect your business from the risk of liability claims such as bodily injury, property damage or even advertising mistakes.

Commercial Auto

Helps cover you, your employees, and the vehicles you own, lease, rent or borrow.

Workers comp

Help pay for associated medical expenses as well as compensate for lost wages from a work related injury or illness

Get custom business coverage

GCI understands that no two businesses are the same. Each industry brings its own set of risks and insurance needs, which is why it's important to have tailored coverage for your specific business. (business insurance)
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Peace of mind for your place of work

Whether you've been in business for years or you're just starting out, we understand how important it is that your property is well protected. That's why we work hard to help ensure your livelihood won't be jeopardized if your tools or equipment are damaged. (small business insurance)
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About Business Insurance Coverage

Business owners insurance protects you and your business in many types of unexpected situations involving your business premises and the personal property owned by your business. Business owners insurance typically covers a range of perils, including:
  • Theft
  • Fire and smoke
  • Windstorm or hail
  • Falling objects
  • Lightning
  • Car crash into your business
  • Vandalism
  • Sprinkler Leakage
  • Explosion

Be ready for whatever your workday might bring

Unintentional accidents can lead to injuries and potentially devastating lawsuits. There are a variety of ways you can help to protect your business and mitigate risks with a little helping hand from a GCI agent. (general liability insurance or workers comp)
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Keep your business on the road to success

Vehicles used for your business are an important part of day-to-day operations. If your business relies on one or more vehicles, a breakdown or set back can be serious. With GCI on your side, you can count on keeping your business' vehicles protected. (commercial auto insurance)
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Other Types of Business Insurance

Business Income Insurance

Helps replace lost income when a business is unable to function and generate earnings because of a covered property loss or damage from incidents like fire, wind and theft.

Commercial Property Insurance

Helps protect the property your business owns and leases, including buildings, equipment, inventory and furniture. It also helps cover lost income if you can’t run your business because of covered property damage.

Commercial Auto Insurance

Helps cover you, your employees, and the vehicles you own, lease, rent or borrow – on the road and off. If an accident happens, this can help prevent it from damaging your bottom line.

Commercial Umbrella Insurance

Helps increase a business’s liability protection when the indemnity cost of a lawsuit exceeds the indemnity limits of core business coverage.

Commercial Flood Insurance

Can help shelter your business from flooding caused by hurricanes, rain, snow melts, and construction run-off. The Hartford offers commercial flood Insurance through the National Flood Insurance Program.

Data Breach Insurance

Helps cover liability expenses to respond to a data loss or theft. It also helps you comply with data-related regulatory requirements and provides guidance on how to prevent and handle a data breach.

Florida Business Insurance FAQ's

1. What Business Insurance do I need?

Most businesses need at least commercial insurance, general liability and business income coverage to help protect their company’s property, income and financial assets. A business owner’s policy can provide all three coverages in a single policy.

2. What is a BOP (Business Owners Policy)?

A Business Owners Policy (BOP) is specifically designed for business owners and covers the unique needs a business owner may face. Allstate understands that no two businesses are exactly alike, which is why we offer unique BOP packages tailored across 36 different business categories. Each BOP package, which may be customized, combines property insurance, liability coverage and more into one custom, convenient policy.

3. What is Business Insurance

Business insurance helps protect businesses from financial losses caused by risks to their property and income. Covered risks can include things like theft, damage, and lawsuits. Insurance for businesses, also known as commercial insurance, can even cover injured workers’ lost wages and provide access to programs to help them get back to work. Commercial insurance policies also help protect businesses from financial losses resulting from liability claims.

Types of Business Insurance

4. Florida Commercial Property Insurance

Florida Commercial Property Insurance
Most businesses own a substantial amount of physical property. This property may include one or multiple locations as well as tools, computers, inventory and even accounts receivable. Commercial property insurance can help cover the loss of these assets if they are damaged or destroyed by a covered event.

5. Florida General Liability Insurance

Florida General Liability Insurance
No matter how cautious business owners are, accidents can happen. For example, a customer may accidentally get hurt in a company’s store, or employees may accidentally damage customer property while working on-site. Liability insurance can help protect businesses from the risk of liability claims such as bodily injury, property damage or even advertising mistakes.

6. Florida Business Income Insurance

Florida Business Income Insurance
Businesses rely on many types of property to function and generate income. If a business owner must suspend operations due to a covered loss like a fire or theft, business income insurance can help replace income lost as a result. This can help them continue to meet obligations like payroll and rent.

GCI agents are friends to small business owners

As small business owners themselves, our agents are equipped with the firsthand knowledge and experience you want in a business insurance agent. Talk to a certified agent today about what kind of coverage can help protect your business.
Custom Coverage

Different businesses have different coverage needs. That's why our certified agents are here to help you find the best coverage for yours.

Agents that work around you

Allstate agents strive to deliver the highest and sincerest level of service—it's how we do business.

Simplfying the claims process

We aim to make the claims process smooth and simple, so you can quickly get back to business as usual.

Talk to a GCI Business Insurance Agent

Our insurance agents are dedicated to helping you protect the business you've worked so hard to build. Talk to an agent today about your coverage options.
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Start protecting your business today.

Allstate certified business insurance agents can help you learn more about coverage options, including a BOP package, for protecting your business. Get started today.