Business owners policy (BOP)
Bundles commercial property and general liability for small businesses — usually the most affordable starting point.
Business insurance in Tampa Bay
You built the business — insurance keeps one bad day from taking it. We help Tampa Bay small businesses, landlords, and contractors carry the coverage their leases, clients, and Florida law actually require.
Request a free quote Read the blogThe core coverages, in plain English
General liability
If a customer is injured at your business or you damage their property, this responds — and most leases and clients require it.
Commercial property
Your building, equipment, inventory, and signage against fire, theft, and storm damage, subject to policy terms.
Workers' compensation
Florida requires most employers to carry it; the employee-count threshold depends on your industry, and construction rules are stricter.
Commercial auto
For vehicles owned by the business or used for business — personal auto policies often exclude business use.
Professional liability
If clients rely on your advice or services, this covers claims that your work caused them a financial loss.
Tampa Bay specifics
Flood applies to businesses too. A flooded storefront in St. Petersburg or a warehouse near the bay isn't covered by your property policy for rising water — commercial flood coverage is seperate, and it's available through the NFIP and private markets. See our flood insurance page for how the two programs compare.
Certificates, handled fast. Landlords, general contractors, and venues around Tampa Bay ask for certificates of insurance constantly. Part of our job is turning those around quickly so paperwork never holds up your work.
Windstorm deductibles work differently for businesses. Commercial property wind and hurricane terms vary a lot by carrier and distance to the coast — worth a real conversation before renewal, not a rubber stamp.
Common questions
What business insurance does Florida require?
Workers' compensation for most employers is the big one. Beyond that, requirements usually come from your lease, your clients, or your lender — general liability and property coverage are the common asks.
What is a BOP and do I need one?
A business owners policy bundles property and general liability, often for less than buying them separately. It's built for small businesses and is where most of our commercial clients start.
Does my business need flood insurance?
If a few inches of water would close you for a week or ruin inventory and equipment, price it. Standard commercial property policies exclude flood damage from rising water.
Keep reading
Flood insurance in Florida, explained · After the flood: a claims checklist
Related coverage
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