At the state level, typically, workers’ comp and commercial auto insurance are mandated by law. However, there may be different requirements in the county, city, or town in where you operate.

Meeting state regulations may not be enough to properly protect your business. For example, workers’ comp is required for any non-construction business employing four or more people and any construction business with at least one employee.

However, let’s say a Fort Lauderdale handyman has an assistant who hurts their back cleaning out a storm-damaged home. The employee is out for weeks and sues the handyman for medical bills and lost wages. Without workers’ comp, the business owner could be on the hook for those costs.

A lawsuit can be costly, even if you successfully defend yourself. A client in Clearwater could claim your consulting work delivered poor results and cost them money. Or the wedding photos you took didn’t sufficiently capture the magic of the Miami couple’s special day. The legal expenses and time away from work involved in a court case can add up to thousands.

Comparing quotes and coverages can save you money, but it typically can cost you time. We’ve designed a fast and easy online compare-and-save tool for Florida business owners. No multiple forms to complete. No high-pressure sales calls. See recommendations in minutes and get covered for most policies the same day.

Two ways to lower your premium are opting for lower coverage limits or higher deductibles. Policies that bundle coverages, such as a business owner’s policy, can also save you money over buying separate policies.

We have more ways to help save on your Florida business insurance in this helpful guide.

Our team of licensed agents can answer Florida insurance questions, explain coverages, and help you choose what you need. They’re available Monday-Friday: 8 a.m.-8 p.m., ET.