Business Insurance in Florida
Choose the type of commercial coverage you need. Quantico Insurance is an independent Orlando agency that helps Florida businesses compare available commercial insurance markets and coverage options for your operation, subject to underwriting.
General Liability
Coverage designed to respond to covered third-party bodily injury, property damage and personal/advertising injury claims. Often requested in leases, client agreements and contractor/vendor requirements.
Workers Compensation
Florida Workers' Compensation requirements depend on industry, employee count, ownership and exemption status, and other applicable rules. We help review what applies to your operation.
Commercial Property
May help cover your building, contents, equipment and inventory, subject to covered causes of loss, deductibles, exclusions and policy terms. Business income coverage may be available as an option.
Bonds
Surety, contractor, performance and license bonds. We help Florida contractors and small businesses review or meet applicable bond requirements, subject to surety approval.
Garage Liability
Designed for auto dealers, mechanic shops, body & paint shops and rental operations, addressing garage-operation liability exposures. Garagekeepers is separate optional coverage for customer vehicles in care, custody and control, subject to the policy form and terms.
Commercial Auto
Coverage options for vans, pickups, service trucks and small business fleets — liability, physical damage, and hired and non-owned auto. Available coverages and endorsements vary by carrier and policy form.
Trucking
Specialized motor carrier lines such as primary liability, physical damage, motor truck cargo and non-trucking liability for owner operators and fleets, subject to underwriting.
NEMT Insurance
Non-Emergency Medical Transportation auto liability and physical damage options for Florida NEMT providers. Coverage and limit requirements can vary by broker, contract, program and operation.
Commercial insurance built for Florida businesses
Quantico Insurance is an independent Florida agency based in Orlando. We help small and mid-sized businesses across the state review business insurance options for their operations — from a one-truck contractor in Kissimmee to a multi-location auto dealer in Tampa, a roofing crew in Lakeland or a NEMT provider serving Central Florida transportation contracts. Every business is different, so every commercial program we help assemble is different.
Florida businesses deal with specific exposures: hurricane and wind exposure to property, third-party liability claims, commercial vehicle use, Workers' Compensation requirements that depend on industry and employee count, and insurance language written into leases and client contracts. As an independent agency, we help compare available commercial markets against your industry, payroll, sales and stated operations. Coverage, limits and eligibility are subject to policy terms and carrier underwriting.
This page is a hub. Pick the line of business that matches what you do, and you'll go to the dedicated coverage page where you can read more, see who it's for, and start a quote.
Who this page is for
If you run any of the following in Florida, this is the right starting point:
- General contractors, subcontractors, roofers, electricians, plumbers and HVAC companies
- Landscaping, lawn care, pressure washing, cleaning and pool service businesses
- Auto dealers, mechanic shops, body & paint shops, tire shops and rental operations
- Owner operators, motor carriers, hotshot trucking, box truck delivery and last-mile fleets
- Non-Emergency Medical Transportation (NEMT) providers and Medicaid transportation contractors
- Retail stores, restaurants, salons, barbershops, gyms and other storefront tenants
- Office tenants, professional services, IT consultants and small B2B operations
- Property owners renting commercial space and small landlords with commercial buildings
Common commercial coverages we offer
General Liability (GL)
May help respond to covered third-party bodily injury, property damage and personal/advertising injury claims, subject to the policy terms. Leases, general contractors and clients may request it on a certificate of insurance.
Workers' Compensation
Provides statutory medical and wage-replacement benefits for covered employees injured on the job. In general, Florida construction employers with one or more employees and non-construction employers with four or more employees are required to carry it, counting non-exempt owners as applicable; agriculture follows separate thresholds and subcontractor treatment depends on the situation.
Commercial Property
May help cover your building, tenant improvements and business personal property, depending on the covered causes of loss, deductibles, exclusions and policy terms. Wind, hurricane and flood are treated differently by carrier and location, and flood in particular may require separate coverage.
Commercial Auto
Available coverages for vehicles used for business — vans, pickups, service trucks and small fleets — can include liability, physical damage, medical payments, uninsured motorist and hired and non-owned auto, subject to the policy form and carrier.
Trucking
Specialized motor carrier options including primary auto liability, physical damage, motor truck cargo, non-trucking liability and trailer interchange for owner operators and fleets, subject to underwriting.
Garage Liability
Designed for auto dealers, mechanic shops, body shops and rental operations, addressing liability exposures arising from garage operations. Garagekeepers is a separate optional coverage for customer vehicles in care, custody and control, and is not automatically included.
Bonds
Surety and bond products such as contractor license bonds, performance bonds and permit bonds. Requirements vary by obligee, license, permit or contract, and issuance is subject to surety approval.
NEMT Insurance
Auto liability and physical damage options for Non-Emergency Medical Transportation operations. Coverage and limit requirements can vary by broker, contract, program and operation.
Specialized commercial vehicle coverage
If your business runs work vehicles, the right program depends on the vehicle type and the operation. These Florida-specific pages go deeper on each one. Coverage, limits and eligibility are always subject to carrier underwriting.
Why Florida businesses choose Quantico
- Independent Orlando agency — we compare available commercial markets through our independent agency network, not just one company.
- Commercial focus: GL, Workers' Comp, Property, Auto, Bonds, Garage, Trucking and NEMT all under one roof.
- Bilingual service in English and Spanish, including over the phone, by email and on WhatsApp.
- Certificate of Insurance assistance after coverage is bound, subject to the policy and carrier.
- Help reviewing Florida-specific insurance requirements and coverage considerations for your operation.
- Real human service — no chatbot wall, no offshore call center.
Florida businesses and commercial risk
Florida operators deal with a particular mix of exposures: hurricane and wind exposure to property, year-round outdoor work, heavy visitor and commercial traffic, insurance language written into leases and HOA or contract requirements, licensing and permitting programs for certain trades, and third-party liability claims arising from premises and vehicle operations.
Selected limits, deductibles, exclusions and endorsements should be reviewed against how the business actually operates — payroll, subcontractor usage, radius, vehicles, locations — and against the contractual requirements it has agreed to. That is exactly the conversation we want to have with you.
We serve businesses across Central Florida — including Orlando, Kissimmee, Orange County, Osceola County, Tampa, Lakeland and surrounding areas — as well as motor carriers and NEMT providers operating statewide.
Bilingual service · Servicio bilingüe
We work with Florida business owners in English and Spanish. Trabajamos con dueños de negocios en Florida en inglés y español — desde contratistas y transportistas hasta dealers, tiendas y proveedores de NEMT. Llámanos al (321) 407-5597 o escríbenos para una cotización sin compromiso.
Frequently Asked Questions
Ready to review your Florida business insurance options?
Pick the coverage you need above to start a quote, or request a full commercial review and we'll quote multiple lines together.
