Florida Business Insurance2023-03-02T21:13:44-05:00

Florida
Business
Insurance

Florida Business Insurance

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Save up to 37% with Fearnow Insurance

Business insurance protects your business against certain types of losses. For example, what would you do if an employee embezzled money or your business operations were interrupted due to a temporary shutdown? If you have the right business insurance in Florida, it can help you through these types of financial hardships.

Florida Business Insurance Types

There are many different types of business insurance available in Florida. The most common types are commercial car insurance, business interruption insurance, general or professional liability insurance, business income insurance and property insurance. However, there are many more insurance policies that your business may want to consider.

Business Owners Policy (BOP)

A business owners policy is a bundled package that includes general liability insurance, commercial property insurance and business income insurance. These policies help protect you if your work vehicle gets into an accident. Your commercial property or building is damaged in a severe storm, by fire or by being vandalized or burglarized, or if you made a mistake with a service or product and are being sued. When getting insurance for your business, a BOP policy is a great place to start.

Business Interruption Insurance

This insurance provides coverage for loss of income if a business is forced to temporarily shut down due to a covered event, such as a fire or natural disaster. This insurance is designed to cover certain operating expenses and business expenses, including lost revenue, rent or mortgage payments, business loan payments, business taxes, payroll and relocation costs if your business has to move to a different location.

What Our Customers Say

Jared Arnold at Fearnow Insurance, Inc. provided incredible support for our church, GracePoint Church in Plant City. He helped us save over $40,000 annually on our insurance premiums, while also increasing our coverage significantly. Jared's professionalism, attention to detail, and outstanding client service made the process effortless and reassuring. We highly recommend Jared and Fearnow Insurance for any church or non-profit seeking quality coverage and substantial savings!
Robert Olszewski
18:21 25 Mar 25
Matt Wink, is my astute and kind, agent supreme at Fearnow Insurance. Most recently, he patiently and wisely guided me through the claims process after my home was damaged by Hurricane Milton. Even when I was "losing it", he was professional, calm and the voice of reason for my husband and I. Cudos to Matt and all of the staff at Fearnow Insurance who worked tirelessly and relentlessly throughout all of the hurricanes and storms, year after year here in Florida.Matt will always shop around for the best policies for your home, cars and boat each and every year and tailor those he finds to your personal and finanacial needs. I have lived in Florida for 10 years and I have been with FearNow all of that time.A FINAL WORD OF CAUTIONARY ADVICE: YOUR HOME AND VEHICLES ARE YOUR BIGGEST FINANCIAL INVESTMENTS/ASSETS, SO DO NOT MAKE THE MISTAKE OF NOT INSURING THEM PLEASE! JUST CALL MATT WINK!Laura L Vahey
LAURA VAHEY
20:29 23 Mar 25
Justin helped me over the phone yesterday and I must say he was very nice and took the time to get my payment done. Thank you again Justin!!
Sheila Phoenix
21:10 13 Mar 25
Lamarr was great! I needed a revision of my homeowners policy and Lamarr was professional and very helpful! Thank you!
Brenda Roberts
12:50 06 Mar 25
Joe did a great job putting my homeowners policy together. He was very responsive and answered all my questions. I highly recommend Joe and the Fearnow team.
Patrick Toohey
23:07 05 Mar 25
Great knowledge of the market and an aggressive approach to finding suitable coverage for his clients.
Frank Comparetto
21:36 28 Feb 25
My husband and I had a wonderful experience with Joseph , he was able to help us through the whole process in obtaining insurance , at a good rate that fitted our budget and no one was able to get it for us ,. His costumer service exceeded our expectations , we’re so thankful for his service and expertise in the field . Thank you Joseph ! I will highly recommend him 100%.
Karla Colon
19:13 21 Feb 25
I had an excellent experience working with Joe Boyle on my auto and home insurance. He was knowledgeable, responsive, and made the entire process seamless and stress-free. I secured great coverage at a competitive rate, and his customer service was top-notch. Highly recommend!
Agustín Schuster
17:10 19 Feb 25
We are buying our first commercial property and Brian was AMAZING!!! He made sure we had all the proper coverages and answered all of our questions almost as soon as we sent them. I never dreamed setting up new insurance would be this easy. Brian is the BEST
Tracey Van Kleeck
19:59 05 Feb 25
I was searching for auto insurance that was reasonably priced with adequate coverage and found Fearnow Insurance on an internet search. Following only instincts I contacted them from the list and Lydia, the agent, answered the phone. She patiently handled all my questions and endured my gripes about a few carriers. Before we ended the call, Lydia and I were processing a new policy. She literally saved me thousands - thank you!
Judith Carney
17:34 03 Feb 25

The Fearnow Agency Advantage

  • We work for you, not the insurance carriers, to ensure your claims are processed efficiently and are paid out quickly.
  • Unlike a single-company agency, we have access to over 100 carriers, so we’re never limited in the services we can provide you.
  • We can save you up to 37% in insurance cost, or get better coverage for the same cost.
  • We always provide full disclosure of plan inclusions and exclusions.
  • We offer customized plans tailored specifically to your needs, instead of forcing you into a pre-packaged solution that won’t really work for you.
  • Our agents are continuously training, so they stay the leading experts in their field.

Commercial Auto Insurance

This type of insurance provides coverage for vehicles used in a business, including cars, trucks and vans. Business car insurance works similarly to personal car insurance policies in that they contain comprehensive and collision insurance as well as bodily injury, property damage, medical payments and under or uninsured drivers.

Cyber Insurance

Cyber insurance is sometimes referred to as data breach or cyber liability insurance. This type of insurance protects businesses from losses related to data breaches, cyber-attacks, viruses, malware and ransomware. It helps you notify all the customers who were affected by the data breach, replace lost business income and help cover ransom costs. This insurance may also cover prior cyber acts that occurred before your policy was active.

Directors And Officers (D&O) Insurance

This insurance protects the personal assets of directors and officers of a company in the event of lawsuits related to their actions or decisions made while serving in their role. This can include a breach of fidelity that results in monetary loss for the business, misrepresentation of the business and misuse of funds or fraud.

Employment Practices Liability Insurance (EPLI)

This type of insurance covers claims related to employment practices, such as discrimination, harassment, and wrongful termination. This policy typically covers the expenses that arise when one of your current or former employees files an EEOC complaint.

Fidelity Bonds or Employee Dishonesty Insurance

Also known as employee dishonesty insurance, fidelity bonds protect businesses against losses caused by employee theft or fraud. This type of insurance is required by the Employee Retirement Income Security Act (ERISA) if your company offers benefits to its employees, like retirement savings accounts.

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Offices serving the local Tampa, FL and Wilson, NC areas for almost 30 years!

Competitive pricing nationally with world-class customer service!

General Liability Insurance

This type of insurance covers a business for damages it may cause to other people or property. It is designed to protect against claims of bodily injury, property damage, personal injury, liability, injury caused by advertising and copyright infringement.

Inland Marine Insurance

This type of insurance covers goods and equipment that are in transit over land or temporarily stored in locations other than the business’s primary location. It is typically designed to protect against damage or loss caused by theft, fire, vandalized and accidents. This type of insurance is related to ocean marine insurance in that it was developed once merchants started transporting their goods over land and far beyond the major port cities.

Ocean Marine Insurance

Ocean marine insurance helps financially protect goods and merchandise while it is in transit over domestic or international water. It helps cover lost or damaged cargo. Ocean marine insurance may also be written to cover other stages of the transportation process, like land or air.

Product Liability Insurance

This type of insurance protects businesses from claims related to injuries or damages caused by their products. It is designed to cover the costs of legal defense, settlements and judgments.

Professional Liability Insurance

These policies protect professionals from claims of negligence, errors or omissions related to their work. It is commonly purchased by lawyers, doctors, consultants and other business professionals, who tend to have their own offices or practices.

Property Insurance

This insurance covers damage or loss to a business’s physical assets, such as buildings, equipment and inventory. It typically goes into effect when a business experiences damage or losses from certain natural disasters, theft and fire.

Workers Compensation Insurance

This insurance provides benefits to employees who are injured or become ill on the job. It covers medical expenses, lost wages and rehabilitation costs, including vocational rehabilitation.

Umbrella Insurance

This insurance provides additional liability coverage that goes beyond the limits of other insurance policies. It can be useful for businesses that have a greater than normal risk of experiencing liability claims. Umbrella policies activate when the costs associated with a claim are greater than the coverage limits of the primary policy.

Get Business Insurance in Florida with Fearnow

If you need affordable business insurance for your company, Fearnow can help. We offer many different types of business insurance policies, including BOP, professional liability, commercial auto and workers compensation. We also offer specialty coverages, including church insurance, school and daycare insurance and boat dealership insurance.

To learn more about our business insurance coverages, give us a call at 813-689-8878.

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