What Business Insurance Do I Need in Florida?
A business with valuable assets requires commercial insurance to protect its physical assets against damages and losses and protect the business owners against lawsuits. As stated by the Small Business Administration (SBA), various types of commercial insurance policies are required to start a business in Florida.
Florida Business Insurance Types:
- General Liability Insurance
General liability insurance is also known as business liability insurance. It helps cover expenses resulting from casualties involving third parties and damage to their properties due to your business. This insurance plan covers third-party bodily injuries, property damages, and legal expenses if a property damage or customer injury lawsuit is filed against your business.
- Commercial Auto Insurance
Commercial auto insurance is essential for businesses in Florida, as it provides coverage for company-owned vehicles or vehicles used for business purposes. This coverage provides bodily injury protection for the driver and passengers and also covers property damage.
- Professional Liability (E&O) Insurance
Professional liability insurance is also known as error and omission insurance in Florida. It provides coverage for professionals like doctors, lawyers, construction workers, etc., against property damages and loss caused by negligence while providing professional services.
- Workers’ Compensation Insurance
Workers’ compensation insurance provides coverage for employees who get sick or injured while on the job. This coverage offers financial, medical, death, and disability benefits. Workers’ compensation insurance is not compulsory for non-construction companies with less than four employees.
- Cyber Liability Insurance
Cyber liability insurance in Florida provides coverage to businesses against data breaches and other security issues like phishing. This insurance coverage bears the financial implication caused by data breaches and helps businesses recover faster.
- Business Owner’s Insurance
A business owner’s policy permits a business to combine general liability coverage and business property insurance. Business owners' insurance protects your business building and properties from losses resulting from perils like fire, theft, and other covered disasters.
- Commercial Umbrella Insurance
Commercial umbrella insurance provides coverage for your assets by offering liability limits above your current policies. It provides additional coverage and liability protection by covering costs that exceed your other liability coverage limits. For instance, suppose your business is found liable for a client’s injury, and you are sued for $2 million, but your coverage limit is $1 million. Your commercial umbrella insurance could make up for the $1 million deficit.
- Business Interruption Insurance
Business interruption insurance provides financial relief to businesses that have suffered a loss of income due to a disaster. This policy covers expenses and lost profits of an insured business during the period the business cannot operate. For instance, business interruption insurance will pay you the amount you could have made while the business was shut down. Depending on your coverage limit, it can pay employee wages, relocation costs, and rent when your business is inactive.
- Product Liability Insurance
Product liability insurance provides coverage for a customer filing a lawsuit against a business due to a product defect. For instance, product liability insurance will cover the cost of compensation claims if a product manufactured by an insured business causes harm to a buyer.
What Type of Insurance Does a Business Need in Florida?
The type of business insurance your business requires is largely based on the type or nature of the business. It is recommended to speak with a licensed insurance agent in Florida to examine your business’ insurance needs and suggest solutions for those needs.
Beauty Professionals
Barbers
Barbers work directly with the hair of men, women, and children. They use razors for shaving or trimming the hair of their customers. Barbers in Florida are exposed to perils like:
Slippery floors injuries due to product spills
Wig damage through using the wrong products
Bodily damage due to razor cuts
Chemical hazards from hair products
Infections to a client from poorly sanitized equipment
A barber can be sued for any of the reasons mentioned above, so it is advisable to purchase the following types of business insurance:
Professional liability insurance
General liability insurance
Business owner’s insurance
Beauticians and Cosmetologists
Services offered by beauticians in Florida include pedicures, hair removals, and facials, while a cosmetologist offers professional cosmetic advice to clients. Cosmetologists sometimes perform cosmetic procedures on their clients. The services offered by beauticians and cosmetologists expose them to perils like:
Bodily injury as a result of the razor used for pedicure
Professional Negligence as a result of using the wrong beauty procedure
Property damage due to overuse of equipment
Clients of beauticians and cosmetologists in Florida can file lawsuits against them for displeasing services rendered. Clients can also sue due to slips and falls in the beauty parlor or the sustenance of an injury from one of the beauty parlor's equipment.
Commonly purchased business insurance coverage for beauticians and cosmetologists in Florida include:
General liability insurance
Professional liability insurance
Commercial umbrella insurance
Estheticians
Estheticians offer professional skin advice and perform non-medical skin treatments such as chemical peels, waxing, and facials. Estheticians are exposed to liability claims like:
Botched cosmetic services
Bodily injuries resulting from chemicals used on the skin
Property damage as a result of equipment being knocked over by mistake
Estheticians in Florida may require the following business insurance coverage:
General liability insurance
Business interruption insurance
Professional liability insurance
Hairdresser
A hairdresser maintains a client’s look through hair washing, texturizing, cutting, and styling. These combinations expose hairdressers to liability risks like:
Bodily injury resulting from the tools used on the hair
Property damage due to faulty equipment, like a faulty salon chair
Professional negligence resulting from a hairdresser using a product on a customer without first conducting a patch test
Some hairdressers offer home-service packages and may need to drive to several locations while transporting their work equipment, which exposes them to road hazards. Some clients may sustain injuries caused by the salon’s equipment or may sue due to irritations caused by hair products made by the hairdresser. Also, a salon with employees may have their employees falling sick on the job or getting injured due to the hazards of the job like slipping and falling caused by spilled products.
The most commonly purchased business insurance for hairdressers in Florida include:
Workers’ compensation insurance
General liability insurance
Commercial auto insurance
Business property insurance
Makeup Artists
Makeup artists enhance facial aesthetics through makeup or prosthetic designs. Makeup artists are commonly exposed to the following liability risks:
Bodily injury resulting from the makeup service
Property damage
Auto accidents while commuting to offer their services
Loss of income as a result of a pandemic or business lockdown
Dissatisfactory service
Most times, makeup artists in Florida use company vehicles to transport their work tools and offer their services, which could pose a road risk to the makeup artist and other people on the road. A client could also sustain injuries during a makeup service or be dissatisfied with the makeup or prosthetic service rendered and decide to sue. Likewise, makeup artists may spread infections due to poor hygiene practices like not washing brushes after use. All these can cause a makeup artist’s income to be interrupted. For example, during the Covid-19 lockdown, makeup artists couldn’t offer their services, which led to the loss of income.
To protect themselves from paying out of pocket for liability claims, makeup artists in Florida purchase the following business insurance coverage:
Commercial auto insurance
General liability insurance
Business interruption insurance
Professional liability insurance
Nail Technicians
Nail technicians groom the fingernails and toenails of their clients by polishing, scraping, painting, and cleaning. Nail technicians are exposed to liability claims caused by their clients getting injured by the tools used on them or clients reacting to certain products. Liability claims nail technicians are exposed to include:
Bodily injury from nail trimming tools like scissors
Business interruptions due to a fire
Unsatisfactory service
Auto accident while commuting to offer home service
Nail technicians may also move from place to place to offer their services, putting them and others at risk of road hazards. Also, unplanned and unforeseen circumstances could interrupt business, causing the business to be shut down temporarily.
Nail technicians in Florida require the following business insurance coverage:
General liability insurance
Business interruption insurance
Commercial auto insurance
Professional liability insurance
Project Manager
A project manager is an individual who plans and executes projects based on a budget and a schedule. Project managers lead teams and are held liable for everything that goes on in a project, from start to finish. A project manager can also provide professional advice or services. Project managers in Florida are commonly liable for claims originating from:
Professional negligence
Errors in reports
Also, if the project involves construction, people could get injured by the equipment and construction materials on site. Money could also be lost due to improper planning and decision-making. Project managers often consider purchasing the following business insurance coverage:
Professional liability insurance
Commercial umbrella insurance
Salon and Spa Owners
Salon and spa owners face heightened risks because the business and its property need to be protected. Salon and spa owners are exposed to liability claims due to bodily injuries to clients while rendering services, product hazards, theft from employees, and vandalism.
Salon and spa owners in Florida can protect themselves by purchasing the following business insurance coverage:
Product liability insurance
Business owner’s insurance
General liability insurance
Professional liability insurance
Consulting & Certified Professionals:
Accountants and Bookkeepers
Accountants analyze financial information or data, while bookkeepers keep records of financial transactions. Accountants and bookkeepers are exposed to the following types of peril:
Fraud caused by overstating revenue
Modification of financial documents without authorization
Error and omission of important figures
Cyber attack
Negligence
Accountants and bookkeepers sometimes keep financial records online, which are susceptible to cyber attacks.
Accountants in Florida prefer the following business insurance coverages:
Cyber liability insurance
Professional liability insurance
Commercial umbrella insurance
Administrative Services
Administrative service providers are usually exposed to liability claims through negligence on their part, which can often lead to their clients losing money. To avoid being victims of liability claims, it is recommended that administrative service providers in Florida purchase the following types of business insurance coverage:
Professional liability insurance
Commercial umbrella insurance
General liability insurance
Architect
Architects develop designs for structures, and they are trained in the science of designing buildings. As an architect, you can be exposed to liability claims through professional advice offered to your clients.
Architects in Florida are known to purchase the following business insurance coverage :
General liability insurance
Professional liability insurance
Commercial liability insurance
Business Consultants
Business consultants in Florida offer professional advice to companies or clients to help them achieve their goals or targets. Business consultants are known to have sensitive information about their clients, and if there is a leak in such information, the clients may file lawsuits against them. Also, if the professional advice given brings about a negative effect, such as loss of funds, they could be sued. Business consultants are also exposed to road hazards when they commute to see their clients.
Business insurance coverage that business consultants in Florida usually purchase includes:
General liability insurance
Professional liability insurance
Commercial umbrella insurance
Coaching Services
Individuals who offer coaching services such as life, career, and accountability coaching, may face liability claims which include:
Leakage of their client’s private information
Perceived wrong professional advice
Individuals who offer coaching services in Florida may require the following business insurance coverage:
Professional liability insurance
Commercial umbrella insurance
Coding and Programming Professionals
Coding and programming professionals are susceptible to liability claims resulting from the services they provide to their clients. They are at risk of cyber attacks and negligence in the area of their client's privacy. Typically, coding and programming professionals are advised to purchase the following business insurance coverage:
Professional liability insurance
Cyber liability insurance
Commercial umbrella insurance
Education Consultants
Education consultants may be exposed to liability claims due to the professional advice they offer, misinformation, and the leakage of clients’ sensitive data. Education consultants require the following business insurance coverage to avoid the risks they’re susceptible to:
Personal liability insurance
Commercial liability insurance
Cyber liability insurance
Financial Advisors and Consultants
Financial advisers and consultants are liable for claims due to misinformation, loss of sensitive financial data online, and perceived negligence. Vital client information could be hacked online, and wrong financial advice could bankrupt the client. Slips and falls in the office could also cause bodily injuries to clients and third parties.
Financial advisers and consultants in Florida are known to purchase the following types of business insurance policies:
Professional liability insurance
General liability insurance
Cyber liability insurance
Commercial umbrella insurance
Insurance Agent
Insurance agents conduct assessments on their clients and offer professional advice to suit their clients’ needs. An error in the assessment could lead to wrong professional advice, making the client file a lawsuit against the insurance agent. Part of the risks of the profession is that clients’ sensitive information could be stolen online; hence the need for business insurance coverage
Business insurance coverage insurance agents mostly purchase in Florida include:
Professional liability insurance
Cyber liability insurance
General liability insurance
Commercial umbrella insurance
Insurance Brokers
Insurance brokers evaluate their clients' risks and give professional advice based on the evaluations. Insurance brokers are exposed to liability claims resulting from the professional advice they give and the loss of their client’s information. Private details concerning their client could be stolen online, and they could lose their client’s funds due to misinformation, which is why insurance brokers need business insurance coverage.
Insurance brokers in Florida generally purchase the following business insurance coverages:
Cyber liability insurance
Professional liability insurance
Commercial umbrella insurance
Interpretation Services
Interpreters are commonly exposed to liability claims due to the outcome of the translation services they provide. Interpreters usually move from place to place to render their services, which exposes them to commuting risks like accidents, resulting in bodily injuries. During the lockdown caused by the pandemic, interpreters were greatly affected because they couldn’t operate, leading to the loss of income. Interpreters in Florida require business insurance to avoid the risks mentioned above and related risks.
Business insurance coverage commonly purchased by interpreters in Florida includes:
Professional liability insurance
Commercial umbrella insurance
Business interruption insurance
General liability insurance
Management Consulting
Management consultants hold key information about their clients, and this information could be stolen online or offline. Management consultants can be sued due to misinformation and negative results due to their professional advice. Comprehensive business insurance can cover the cost of a lawsuit if the need arises.
Management consultants in Florida purchase the following business insurance policies:
Professional liability insurance
Cyber liability insurance
Business owner’s insurance
Commercial umbrella coverage
Notary
Notaries hold sensitive positions in society, and they are liable for liability claims due to malpractice, loss of private information due to theft and the services they provide. Therefore, notaries need business insurance to cover the cost of liability claims they may face.
Notaries
Professional liability insurance
Commercial umbrella insurance
Cyber liability insurance
Recruiters
Recruiters evaluate and scout employees for their clients. Recruiters are exposed to liability claims caused by their clients being unsatisfied with their recommendations. They are also at risk of losing their recruits’ sensitive information to theft.
It is highly recommended for recruiters in Florida to purchase the following types of business insurance policies:
Professional liability insurance
Cyber liability insurance
Commercial umbrella insurance
Safety Consultants
Safety consultants offer professional advice on safety procedures and implementation. Safety consultants are exposed to liability claims due to:
Negligence while preparing safety designs and procedures
Property damage caused by wrong professional advice
Bodily injuries due to construction defects
Commonly purchased business insurance purchased by safety consultants in Florida includes:
General liability insurance
Professional liability insurance
Commercial umbrella insurance
Tutoring Services
Private tutors may need to visit their students to offer their home services, which exposes them to road accidents that can happen when they’re commuting. These accidents can lead to bodily injuries and property damage. Also, tutors risk being sued if their tutoring does not bring about the desired results. Hence, persons who run tutoring services should consider getting the following business insurance policies in Florida:
General liability insurance
Professional liability insurance
Commercial umbrella insurance
Engineers
Petroleum Engineer
Petroleum engineers are majorly exposed to falls, ergonomic hazards, explosions and fires, and liability claims due to professional negligence. Petroleum engineers also need to move around to offer their services, increasing their risk of road hazards. Petroleum engineers require business insurance to protect their services and business.
Petroleum engineers typically purchase the following business insurance coverage in Florida:
Professional liability insurance
General liability insurance
Commercial umbrella insurance
Commercial auto insurance
Structural Engineer
Structural engineers are exposed to liability claims due to errors on the structures they worked on or their clients being unsatisfied with the work done. Also, structural engineers may sustain injuries while analyzing structures or be sued by clients for misinformation.
It is necessary for structural engineers in Florida to purchase the following business insurance coverage:
Professional liability insurance
General liability insurance
Commercial umbrella insurance
Fitness
Fitness instructors
Fitness instructors are professionals who are majorly exposed to liability claims like sexual abuse, bodily injuries to their clients during workouts, and damages to the workout equipment. The services fitness instructors provide can easily be interrupted. For instance, fitness instructors were unable to work during the pandemic due to the lockdown.
Fitness instructors in Florida commonly purchase the following types of business insurance policies:
Professional liability insurance
General liability insurance
Commercial umbrella insurance
Business owners’ insurance
Golf Instructors
Golf instructors are liable to liability claims from third parties due to bodily injuries and property damage that may occur while rendering their services. Hence, it is highly recommended that golf instructors in Florida purchase the following business insurance coverage:
Professional liability insurance
General liability insurance
Business interruption insurance
Commercial umbrella insurance
Personal Trainers
Personal trainers may need business insurance to cover bodily injuries that could be sustained during workouts and for damages to workout equipment during training. Personal trainers can also be sued due to negligence for pushing their clients too far during workouts.
Personal trainers are advised to purchase the following business insurance packages:
General liability insurance
Professional liability insurance
Commercial umbrella insurance
Business owners’ insurance
Yoga Instructors
Yoga instructors may face liability claims from their clients due to bodily injuries and property damage during yoga sessions. Hence, they need business insurance to protect them from the perils they are susceptible to.
Yoga instructors in Florida generally purchase the following business insurance types:
General liability insurance
Professional liability insurance
Business interruption insurance
Commercial umbrella insurance
Zumba Instructors
A Zumba instructor may be exposed to perils leading to bodily injuries during dance sessions. In certain situations, a client can also sue their Zumba instructor trainer for negligence, and if the instructor does not have business insurance, they will have to bear all the costs incurred out of pocket.
Zumba instructors in Florida prefer the following business insurance policies:
Professional liability insurance
General liability insurance
Health & Therapy
Acupuncturist
Acupuncturists need business insurance to protect themselves from costs incurred from perils and lawsuits caused by:
Wrong diagnosis and treatment
Using unsterilized equipment, thereby causing an infection
Implementation of improper techniques
Loss of client’s vital information due to theft or hacking
The most common business insurance policies for acupuncturists in Florida include:
Malpractice insurance
General liability insurance
Commercial umbrella insurance
Professional liability insurance
Cyber liability insurance
Dentist
Clients can sue dentists due to botched treatments or bodily injury caused by the sharp objects and tools used while performing dental services. Therefore, dentists in Florida should consider purchasing the following business insurance policies:
General liability insurance
Malpractice insurance
Professional liability insurance
Commercial umbrella insurance
Family Counselor
Family counselors are exposed to bodily injuries in the office, liabilities arising from lawsuits due to the leakage of their client’s personal information, and perceived negligence. It is recommended that family counselors in Florida purchase the following business insurance coverage:
General liability insurance
Professional liability insurance
Hypnotherapist
Hypnotherapists often face liability claims resulting from bodily injuries during hypnotherapy sessions and the adverse effects of hypnotherapy on clients. Hypnotherapy is a mind-body procedure in which hypnosis is used to help an individual use their subconscious mind to change certain behavioral patterns or thought patterns. A hypnotherapist can also be sued for malpractice by their clients.
Hypnotherapists in Florida should consider purchasing the following business insurance coverage:
General liability insurance
Professional liability insurance
Commercial umbrella insurance
Massage Therapist
Massage therapists in Florida often get sued for the following reasons:
Clients sustaining injuries during a session
Alleged molestation during a massage session
Unsatisfactory service
Allergic reactions to products used during the massage
Massage therapists in Florida require the following business insurance policies that would cover legal fees and medical expenses if the need ever arises:
General liability insurance
Malpractice insurance
Professional liability insurance
Business owner’s insurance
Commercial umbrella insurance
Mental Health Counselor
Mental health counselors are professionals who treat mental conditions to promote optimum mental and cognitive health. Mental health professionals are prone to have the following liability claims:
Poor service quality
Unprofessionalism
Bodily injuries from unstable clients
Breach of client’s confidential information
Perceived negligence
Mental health counselors in Florida require the following business insurance policies to cover legal expenses in the event of a lawsuit:
General liability insurance
Malpractice insurance
Professional liability insurance
Cyber liability insurance
Commercial umbrella insurance
Nurse
A nurse is an individual trained to care for the sick and persons that require medical attention. Nurses are sometimes sued for malpractice, unprofessionalism, or negligence resulting in their patients’ death. Nurses need the following business insurance coverage to protect themselves from liabilities:
Malpractice insurance
Professional liability insurance
Medical Doctor
Medical doctors in Florida require business insurance coverage to protect them against liability claims like:
Malpractice
Wrong diagnosis and treatment
Bodily injury and property damage
Breach of patient’s confidential information
A medical doctor can be slammed with a lawsuit for negligence if their patient dies under their care. Therefore, it is imperative for medical doctors in Florida to purchase the following business insurance policies:
Malpractice insurance
Cyber liability insurance
Commercial umbrella insurance
Professional liability insurance
General liability insurance
Occupational Therapist
Like medical professionals, occupational therapists can be slammed with lawsuits due to malpractice, negligence, and bodily injuries to clients or third parties. Therefore, in order not to pay out of pocket for these lawsuits, occupational therapists in Florida should consider purchasing the following business insurance policies:
General liability insurance
Professional liability insurance
Commercial umbrella insurance
Optometrist
Optometrists may face liability claims that have to do with errors and omissions. An optometrist’s equipment could be damaged due to overuse. Also, one of an optometrist’s clients could complain that their prescribed glasses caused an adverse effect or worsened their visual health. These issues could result in liability claims, which is why optometrists in Florida need the following business insurance policies:
Malpractice insurance
General liability insurance
Commercial umbrella insurance
Professional liability insurance
Pediatrician
Pediatricians treat children, and if their parents are uncomfortable with the treatments, they could file lawsuits. Pediatricians could be slammed with lawsuits for alleged sexual misconduct toward children. Confidential information of their patients could also be hacked online. Because of this, it is essential for pediatricians in Florida to purchase business insurance to protect their business and their services.
Pediatricians in Florida often purchase the following business insurance policies:
Malpractice insurance
General liability insurance
Professional liability insurance
Commercial umbrella insurance
Cyber liability insurance
Pharmacists
Pharmacists in Florida may require business insurance coverage to protect themselves from liability claims due to the products they sell and prescribe. A pharmacist can be sued for prescribing drugs that worsen the health situation of their clients. Therefore, pharmacists in Florida should consider getting the following business insurance coverage:
Malpractice insurance
Professional liability insurance
General liability insurance
Commercial umbrella insurance
Physician
Physicians are exposed to liability claims due to errors and omissions during treatment administration, adverse effects of their treatments, and bodily injuries caused by their equipment. Physicians could also be sued if sensitive information about their patients gets out. This is why physicians need to purchase the following business insurance coverage in Florida:
Malpractice insurance
Commercial umbrella insurance
Professional liability insurance
Cyber liability insurance
Psychiatrist
A psychiatrist is a doctor who specializes in the diagnosis, prevention, and treatment of mental health conditions, including substance use disorders. Possible liability claims that psychiatrists are exposed to include:
Bodily injury from unstable patients
Confidentiality breach
Wrong diagnosis and treatment
Psychiatrists in Florida need business insurance to cover medical bills and legal expenses if a lawsuit ever arises. Psychiatrists should purchase the following business insurance coverage:
Malpractice insurance
General liability insurance
Commercial umbrella insurance
Professional liability insurance
Psychologist
Psychologists in Florida are prone to liability claims originating from unsatisfied service, breach of confidential information, bodily harm, and property damage. In the event of bodily harm and property damage, psychologists in Florida need business insurance to cover medical expenses and replace or fix the damaged property.
Psychologists in Florida commonly purchase the following business coverage in Florida:
Malpractice insurance
General liability insurance
Professional liability insurance
Commercial umbrella insurance
Social Workers
Social workers work with a wide range of people. They help people with mental illnesses and chronic diseases, and also render child support services. Social workers face risks like cyber attacks due to private information being hacked online. They could also suffer bodily injury and have their property damaged by unstable clients or patients, which is why it is recommended for social workers in Florida to purchase the following business insurance coverage:
General liability insurance
Cyber liability insurance
Professional liability insurance
Commercial umbrella insurance
Surgeon
Due to the delicate nature of a surgeon’s job, they are exposed to liability claims bordering on perceived negligence due to a misdiagnosis or treatment. Also, surgeons could be slammed with lawsuits for exposing patients’ confidential information. Surgeons in Florida require business insurance to cover the costs of medical bills and legal expenses if a lawsuit ever arises.
Business insurance coverage surgeons require in Florida include:
Malpractice insurance
General liability insurance
Cyber liability insurance
Commercial umbrella insurance
Therapist
A therapist is a professional who specializes in therapeutic treatment. Clients of therapists can sue if the quality of the therapy or counseling falls below their expectations or if their confidential information is leaked. With proper business insurance coverage, business owners will not have to feel the full effect of the financial strain caused by lawsuits.
Therapists in Florida are expected to have the following business insurance coverages:
Malpractice insurance
General liability insurance
Professional liability insurance
Commercial umbrella insurance
Veterinarian
Veterinarians are doctors who provide treatment for animals. This profession exposes them to liability claims originating from:
Misdiagnosis due to negligence
Bodily injury to the vet or a third party from a wild animal
Loss of their animals in their care due to them escaping from their cages
These claims can negatively affect the business, so business insurance is necessary for ample protection. Veterinarians in Florida should consider purchasing the following business insurance coverage:
Commercial business insurance
General liability insurance
Professional liability insurance
Malpractice insurance
Construction and Maintenance Contractors
Carpenter
As a carpenter, you may face liability claims due to the services you provide. Carpenters work with heavy machinery that could injure their clients and laborers. Clients could sue carpenters if they are not satisfied with their service delivery. Business insurance can help carpenters cover medical costs resulting from machinery injuries and legal expenses if a client files a lawsuit against the business.
It is necessary for carpenters in Florida to purchase the following types of business insurance coverage:
General liability insurance
Commercial umbrella insurance
Business interruption insurance
Commercial auto insurance
Professional liability insurance
Construction
Construction workers are exposed to liability risks like bodily injuries due to unexpected structural collapse and property damage as a result of the work done. Construction workers should ensure they have the following business insurance coverage:
General liability insurance
Professional liability insurance
Commercial umbrella insurance
Day Laborer
According to § 440.10 of the Florida Statutes, construction companies in Florida are mandated to purchase workers’ compensation insurance for their employees. Therefore, employers of day laborers must ensure they purchase business insurance to cover medical expenses in case of bodily injuries onsite or legal expenses in the event of lawsuits.
Employers of day laborers should ensure they have the following business insurance coverage:
Workers’ compensation insurance
Commercial umbrella insurance
Electrician
Electricians face liability claims regarding the services they provide. An electrician may sustain an injury or even die by electrocution. Some of the equipment used by an electrician could be stolen or damaged due to frequent use. Clients may also be unsatisfied with the job done and decide to sue. To protect themselves from the financial drain that comes with paying for liability claims out of pocket, electricians in Florida should consider getting the following business insurance coverage:
General liability insurance
Commercial auto insurance
Business property insurance, and
Commercial umbrella insurance
Flooring
Floorers in Florida are exposed to liability claims like bodily injuries or property damage while installing floor tiles. A floorer may also use their vehicle to transport their work tools around, which exposes them to road hazards. Therefore it is recommended that floorers in Florida purchase the following business insurance coverage to ensure they are well protected from possible liability claims:
Commercial umbrella insurance
General liability insurance
Commercial auto insurance.
General Contractor
General contractors may have to deal with liability claims for mistakenly destroying their client’s properties and bodily injuries involving themselves or their laborers. To reduce the effect of liability claims, general contractors in Florida need to purchase the following business insurance policies:
Commercial umbrella insurance
General liability insurance
Professional liability insurance
Workers’ compensation insurance
Handyman
Handymen in Florida render maintenance services to individuals and communities. Handymen need business insurance coverage due to the work-related risks they face. Such risks include bodily injuries to themselves, clients, or third parties. Handymen could also be sued for destroying their clients’ properties or for professional negligence.
Business insurance is required for handymen to help them cover legal expenses and medical bills if it ever arises. Handymen in Florida typically purchase the following business insurance policies:
Commercial umbrella insurance
General liability insurance
Professional liability insurance
HVAC
As an HVAC contractor, you are exposed to liability claims resulting from professional negligence and bodily injuries to yourself, clients, or third parties. You could also lose or damage your tools. To protect your business from such risks, you should purchase the following business insurance coverage:
General liability insurance
Commercial auto insurance
Worker’s compensation insurance
Commercial umbrella insurance
Janitorial Services
Persons that perform janitorial services may have to deal with liability claims caused by negligence, property damage, theft, vandalism, and bodily injury. Clients may sue the janitor due to damages to their properties. A janitor’s equipment could also be damaged or even stolen, and it may be quite expensive to replace stolen items, fix damaged tools, and settle lawsuits. However, business insurance covers these financial risks.
Commonly purchased business insurance coverage for janitorial services are:
General liability insurance
Commercial umbrella insurance
Landscaper
Landscapers improve the general appearance of outdoor spaces. Landscapers are exposed to liability risks like bodily injuries due to slips and falls while rendering their services. Landscapers are also prone to damaging property while landscaping.
Recommended business insurance for landscapers in Florida include:
General liability insurance
Commercial auto insurance
Commercial umbrella insurance
Lawn Care
The lawn care business deals with the maintenance of yards and living plants. Liability claims lawn care businesses are faced with include bodily injuries due to cuts whilst trimming hedges and property damage like knocking over potted plants. Business insurance is essential for lawn care businesses for protection against the risks above.
Lawn care businesses in Florida commonly purchase the following business insurance policies:
General liability insurance
Commercial auto insurance
Commercial umbrella insurance
Masonry Contractor
Masonry is the craft of building with stone. This business is exposed to liability risks like bodily injuries to clients, employees, and even third parties while molding bricks. While molding bricks, damage could be done to property belonging to your client or a third party. Your client could also decide to sue if they are not satisfied with the services rendered.
Masonry contractors in Florida need the following business insurance coverage:
General liability insurance
Commercial auto insurance
Commercial umbrella insurance
Painter
Painters in Florida are prone to liability risks like bodily injuries and property damage. Painters could also get hurt by falling when climbing high buildings, which could damage their clients’ properties in the process. Also, a painter’s company vehicle may be used to transport tools, further increasing their liability risks. Their client may also be displeased with the services rendered and decide to sue them.
As a painter in Florida, it is important to be fully protected from liability risks by being insured, hence the need for business insurance coverage, which should include:
Professional liability insurance
General liability insurance
Commercial auto insurance
Commercial umbrella insurance
Pest Control
Liability claims that pest controllers are exposed to include being sued by their clients for negligence, bodily injury, and property damage. Pest controllers could cause bodily injury to themselves and even clients if they trip over their equipment. Pest controllers could also be slammed with property damage lawsuits if their services cause damage to their client’s furniture or stain their walls. Their work tools could also be stolen or lost.
As a pest controller in Florida, it is imperative to be properly insured to save yourself from the financial strain liabilities claims could cause. It is recommended to purchase the following business insurance coverage:
General liability insurance
Commercial auto insurance
Commercial umbrella insurance
Plumber
Liability claims faced by plumbers result from the services they provide. Such risks include bodily injuries and property damage during plumbing work. It is recommended that you purchase the following business insurance to protect your plumbing business from various liability claims:
General liability insurance
Commercial umbrella insurance
Commercial auto insurance
Pool Services
Liability claims on pool services include perceived professional negligence, property damage, and bodily injury. Your clients may sue if the services you provided were dissatisfactory or caused any form of damage. You may also be required to carry work tools around in your company vehicle, thereby further increasing your liability risks.
Business insurance can cover all the liability claims related to pool services. If you offer pool services in Florida, you should consider getting the following business insurance coverages:
General liability insurance
Commercial umbrella insurance
Commercial auto insurance
Roofer
The roofing business is faced with liability claims regarding bodily injuries, property damage, and poor services. A roofer’s client may also sue them if the services provided caused harm to them or a third party. Also, roofers who use their company vehicles to transport their tools and employees risk being involved in auto accidents.
To protect your business from various liability claims, it is recommended to purchase the following business insurance coverage:
General liability insurance
Commercial auto insurance
Worker’s compensation insurance
Commercial umbrella insurance
Solar Panel Installer
A solar panel installer installs and maintains solar panels on people’s homes and businesses. Solar panel installers are exposed to liability claims arising from property damage, such as a roof being damaged during installation. Also, a bodily injury could occur if the installer falls off the roof.
Solar panel installers are encouraged to get the following business insurance coverage to protect their businesses from the financial strain of liability claims:
General liability insurance
Commercial auto insurance
Business property insurance
Worker’s compensation insurance
Commercial umbrella insurance
Tree Removal
Tree removal businesses in Florida are majorly faced with liability claims resulting from bodily injuries, property damage to their tools, or clients’ properties. A client may also choose to sue due to perceived negligence during the tree removal. If you offer tree removal services in Florida, you will need to ensure your business is duly protected by obtaining proper business insurance.
Tree removal businesses in Florida need to have the following business insurance coverage:
General liability insurance
Commercial auto insurance
Worker’s compensation insurance
Commercial umbrella insurance
Window and Door Installer
Window and door installers in Florida are sometimes faced with lawsuits due to poorly done installations, bodily harm from their clients, employees, or even third parties. A client may also sue if the work done causes harm or damages their property.
Window and door installers in Florida commonly purchase the following business insurance policies:
General liability insurance
Commercial auto insurance
Business property insurance
Worker’s compensation insurance
Commercial umbrella insurance
Window Cleaner
Window cleaners in Florida may face liability claims due to property damage to their clients’ or third parties’ properties, bodily injuries to their employees or clients, and theft of work tools. Your clients may also sue if they are dissatisfied with your services.
To protect your window cleaning business, you should consider getting the following business insurance coverage:
General liability insurance
Worker’s compensation insurance
Commercial auto insurance
Commercial umbrella insurance
Marketing
Digital Marketer
Digital marketing involves advertising products or brands to consumers through digital communication. Digital marketers in Florida may likely face liability claims due to:
Loss of a client’s vital information because of cyber attacks
Loss of money through adverts not reaching the target audience
Perceived negligence due to unclear marketing strategy
To protect your business financially from the above liability claims and more, you should consider getting the following business insurance coverage:
General liability insurance
Cyber liability insurance
Commercial umbrella insurance
Graphic Designer
Graphic designers in Florida are susceptible to liability risks from cyber attacks or perceived professional negligence. Graphic designers could also be sued for not meeting deadlines or designing content that their clients may consider offensive.
It is recommended that you purchase the following business insurance coverage to protect your graphic design business:
General liability insurance
Commercial umbrella insurance
Marketing Consultant
Marketing consultants usually face liability risks due to professional negligence. As a marketing consultant, if your professional advice or strategies do not give the expected result, you could be sued by your clients. Your client’s vital information could be hacked online or stolen. To protect your business from these perils, you should consider getting the following business insurance coverage:
General liability insurance
Professional liability insurance
Business property insurance
Cyber liability insurance
Commercial liability insurance
Photographer
Photographers in Florida are susceptible to liability risks resulting from losing their tools and gadgets. While rendering photography services, bodily injuries could also be sustained due to slips and falls. Also, the photography business could be interrupted by a pandemic or any situation that warrants unprecedented interruption in the normal running of the business.
Photographers require business insurance to protect their services and business. Business insurance coverage photographers in Florida typically purchase include:
General liability insurance
Business interruption insurance
Commercial auto insurance
Commercial umbrella insurance
Video Operator
Video operators in Florida are majorly faced with liability claims based on their professional service. Video operators could sustain bodily injuries or even lose some gadgets while on the job. A video operator may also damage their client’s property or that of a third party while on the job and may be required to fix or replace it.
To ensure your business is not put on hold in the event of a claim, as a video operator, you should consider purchasing the following coverage:
General liability insurance
Commercial auto insurance
Commercial umbrella insurance
Drone Video Operator
Drone operators usually face liability risks caused by bodily injuries, property damage, theft, and negligence. While shooting a video, bodily harm to your clients or a third party. Furthermore, if a client is not impressed with the finished work, the client may choose to sue.
Business insurance is essential for drone video operators in Florida to protect their business. Common insurance coverage for drone video operators in Florida includes:
General liability insurance
Business property insurance
Commercial auto insurance
Commercial umbrella insurance
Web Designer
Web designers in Florida are majorly prone to liability risks due to cyber attacks. A client’s vital information could be lost due to cyber attacks. Web designers could also lose gadgets due to theft or be sued by clients if the services they provided were below expectation. To save your business from the financial strain of liability claims, as a web designer, you should consider purchasing the following business insurance coverage for your business:
General liability insurance
Professional liability insurance
Commercial auto insurance
Commercial umbrella insurance
Property Professionals
Insurance Inspector
Insurance inspectors often face liability claims due to the services they provide, negligence, bodily harm, and property damage. For instance, if an insurance inspector wrongly values a house during inspections, and it leads to the house being under-insured or over-insured, the parties involved could sue. During an inspection, an insurance inspector could trip over an object and fall over, thereby causing harm to them and destroying the object that tripped them. Consequently, they may be asked to fix or replace the damaged item. Insurance inspectors are also known to go from house to house to carry out their services; this may put them at risk of auto accidents.
To ensure their business is duly protected, an insurance inspector should consider purchasing the following business insurance coverage:
General liability insurance
Professional liability insurance
Commercial auto insurance
Commercial umbrella insurance
Insurance Adjuster
An insurance adjuster analyzes claims, and through this analysis, the insurance company involved decides on the insured’s payout. If the insurance adjuster makes a wrong analysis due to an oversight, the insurance adjuster could be sued for negligence. An insurance adjuster may sustain a bodily injury while working, and a client’s confidential information could be stolen from the adjuster, resulting in a lawsuit.
Business insurance is important to protect the services insurance adjusters provide. The commonly purchased business insurance coverage for insurance adjusters includes:
Professional liability insurance
Commercial auto insurance
Commercial umbrella insurance
Land Surveyor
Business insurance coverages are necessary to protect land surveyors from liability claims caused by the loss of equipment on-site or bodily injuries while on the job. A land surveyor could easily damage a client’s or a third party’s property while carrying out a land survey.
It is recommended that you purchase the following business insurance coverage to prevent your business from wallowing in debt caused by liability claims:
General liability insurance
Professional liability insurance
Commercial auto insurance
Commercial umbrella insurance
Real Estate Agent
As a real estate agent, you are prone to liability claims resulting from auto accidents, client dissatisfaction, and negligence. A real estate agent may drive around using the company vehicle to show clients different houses, which may put them at risk of an accident. A real estate agent may also mistakenly damage property while showing a client around a house, and the agent may be required to pay for it.
Real estate agents in Florida need business insurance; hence they should consider purchasing the following coverage:
General liability insurance
Professional liability insurance
Cyber liability insurance
Commercial auto insurance
Commercial umbrella insurance
Real Estate Landlords
Real estate landlords rent out accommodation spaces either for commercial or residential use. Real estate landlords are exposed to liability claims caused by bodily injuries to tenants and employees in the building and property damage resulting from catastrophic losses like fire and hurricane damages. Due to all these risks, real estate landlords in Florida require business insurance coverage.
Florida real estate owners commonly purchase the following business insurance coverage:
Landlord Liability
Rent Loss coverage
Commercial landlord insurance
Commercial property insurance
Guaranteed income insurance
Flood damage
Rebuild Cost
Emergency repair coverage
Retail Industry
Product Manufactures
Businesses that manufacture products are exposed to liability claims from their product’s defects and bodily injuries caused by reactions to the product. Also, product manufacturers could also be sued for negligence due to not performing quality assurance tests on their products.
Product managers commonly purchase the following business insurance policies:
Product liability insurance
General liability insurance
Business interruption
Commercial auto insurance
Commercial umbrella insurance
Appliance Stores and Distributors
Appliance stores and distributors in Florida are faced with liability claims originating from product theft, spoilt appliances, and property damage. Appliance stores and distributors in Florida need business insurance to cover the cost of stolen and faulty products.
Appliance stores and distributors in Florida typically purchase the following business insurance policies:
General liability insurance
Business interruption
Cyber liability insurance
Commercial auto insurance
Goods/products insurance
Commercial umbrella insurance
Bars
Bar owners require business insurance coverage to protect their businesses from liability claims based on harassment, property damage, and bodily injury. As a bar owner, it is recommended that you purchase the following business insurance coverage:
General liability insurance
Liquor liability
Food spoilage insurance
Business interruption
Commercial auto insurance
Commercial crime insurance
Commercial umbrella insurance
Clothing Stores
Clothing stores in Florida require business insurance coverage to cover liability risks like bodily injury due to slips and falls, property damage of regularly used equipment, and theft of goods.
Clothing stores in Florida often purchase the following business insurance policies:
General liability insurance
Product liability insurance
Commercial crime insurance
Commercial umbrella insurance
Electronics Store and Distributors
Electronics stores and distributors majorly face liability claims based on bodily injury, property damage, and theft of goods. Employees could sustain bodily injuries while delivering products. These claims could result in a huge financial implication for an electronics store and distribution business. Proper business insurance coverage could save your business. The recommended business insurance coverage for electronics stores and distribution businesses include:
General liability insurance
Business interruption
Cyber liability insurance
Commercial auto insurance
Commercial umbrella insurance
E-commerce Businesses
E-commerce is the buying and selling of products and services online. E-commerce businesses are prone to liability claims caused by:
Property damage
Bodily injury while delivering their products
Cyber attacks due to hackers
Theft of goods by employees
It is necessary for e-commerce businesses to protect against liability risks by getting the following business insurance coverage:
General liability insurance
Professional liability insurance
Cyber liability insurance
Business interruption insurance
Commercial umbrella insurance
Flower Shops
Florists in Florida are faced with liability claims based on negligence, bodily injury, and property damage. Clients may be allergic to some flowers in a florist’s store, which could cause medical issues. Florists sometimes deliver flowers to their clients, which exposes them to road hazards. Florists in Florida require business insurance to secure their business fully. The most considered business insurance coverage for flower shops in Florida are:
General liability insurance
Business property insurance
Business interruption insurance
Cyber liability insurance
Commercial auto insurance
Commercial umbrella insurance
Home Furniture Stores
Home furniture stores are exposed to liability claims based on bodily injuries from tripping over furniture, theft of products, and property damage due to improper handling. Home furniture stores in Florida require the following business insurance coverage to protect their businesses in the event of liability claims:
General liability insurance
Business interruption
Product liability insurance
Commercial umbrella insurance
Jewelry Stores
Jewelry stores in Florida are faced with major liability claims through theft and property damage due to break-ins by thieves. Also, employees of jewelry stores could sustain bodily injuries due to attacks by robbers. Jewelry stores in Florida need business insurance to cover the cost of replacing stolen pieces of jewelry, and medical expenses, in the event of injuries. Jewelry stores in Florida typically purchase the following business insurance coverage:
General liability insurance
Commercial umbrella insurance.
Commercial crime insurance
Restaurants
Restaurants are often exposed to liability claims that border on the services rendered to guests. Some guests may sue if they fall on a wet floor in a restaurant without a visible caution sign. Restaurant customers and employees could also be involved in any other accidents in the restaurant, such as fire accidents, falls from slippery floors, etc. Restaurant employees could also be stealing money or food items from the business. Business insurance coverage is necessary to ensure your restaurant is adequately protected from liability risks.
The commonly acquired business insurance coverage for restaurants in Florida are:
General liability insurance
Liquor liability insurance
Food spoilage insurance
Business interruption
Professional liability insurance
Commercial auto insurance
Commercial umbrella insurance
Legal
Attorney / Lawyer
Attorneys/Lawyers in Florida are also exposed to liability claims based on legal malpractice, property damage, bodily harm, and breach of confidential information belonging to their clients. Business insurance is required to cover legal expenses, medical costs, and the cost of other liability risks that the business is exposed to.
Commonly purchased business insurance coverage by attorneys/lawyers includes:
Legal malpractice insurance
General liability insurance
Professional liability insurance
Cyber liability insurance
Flight Safety
Airline Pilot (including Copilots and Flight Engineers)
Airline pilots, copilots, and flight engineers may face liability risks due to negligence resulting from plane crashes and bodily injury like ear loss as a result of noise pollution. Pilots in Florida commonly purchase the following types of business insurance policies:
Pilot liability insurance
Passenger liability insurance
Airplane Mechanic
Airplane mechanics are exposed to liability risks like property damage and bodily injuries to themselves or third parties while making repairs on an airplane. Therefore, airplane mechanics are required to protect their businesses by getting the following business insurance coverage:
General liability insurance and
Professional liability insurance
Bodily liability insurance
Air Traffic Controller
Air traffic controllers direct the safe movement of aircraft. Air traffic controllers are commonly faced with liability risks like negligence resulting in a plane crash and bodily injury caused by slips and falls while on duty.
Business insurance is necessary for protection against the risks mentioned above. Air traffic controllers in Florida need the following business insurance coverage:
Professional liability insurance
Commercial umbrella insurance
Bodily liability insurance
Transportation
Trucking Companies
Truck drivers in Florida are almost always on the road, either loading cargo at a port or delivering cargo, and they usually drive at night time. Being on the road most times puts them at risk of auto accidents, which could cause both bodily injuries and property damage. Trucking companies in Florida need business insurance to cover medical expenses and replace damaged properties.
Trucking companies in Florida usually purchase the following business insurance policies:
Commercial auto insurance
Cargo coverage
General liability insurance
Business interruption insurance
