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


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

Great agency! Joseph Boyles was helpful and easy to work with!
Bambi Adams
18:33 29 Sep 23
My experience with Fearnow Insurance and Joe Boyle was absolutely five star! From my first call to finalizing my homeowners insurance policy I was extremely pleased. Response time from Joe was really impressive. All of my questions were answered timely and I had quite a few of them along the way. He was very professional and made sure that I was comfortable with what I was signing and understood the policy and the coverage I was receiving. Unfortunately, our previous carrier was going out of business and we were on a time crunch with securing new coverage. He understood the sense of urgency and worked hard to make sure we were able to secure the coverage we were needed. I would highly recommend Fearnow Insurance to anyone looking to secure an insurance policy. In addition to my homeowners insurance I will also be reaching out to them to look into automobile insurance.
Gracie Praizner
20:26 27 Sep 23
If you need insurance Fearnow is the place to go! We've used Fearnow for the last few years and have built a great relationship with a lot of the staff but Jean Rodriguez takes the lead (I guess you can say she's our favorite agent). Recently we were having the hardest and most stressful time finding an insurance company for garage liability and sadly we were forced to shop with other agencies. Every company we spoke with said our current agent has clearly gone above and beyond for us and unfortunately couldn't help because Jean already approached the markets they were signed with. A day or two before our expiration date we had a quote with another agency. We sent the quote over to Jean to look over and Jean WENT TO WORK AGAIN and MADE IT HAPPEN!!! We appreciate Jean and the rest of the team at Fearnow and are so happy we can continue to have them on our team!! Thank You! Thank you! THANK YOU!!!!
Joshua Hernandez
17:12 27 Sep 23
Joe continues to provide excellent service! Earlier this year he helped with my mother's homeowner insurance by cutting the cost in half. Now he's helped with securing auto insurance for my daughter. He's very responsive & knowledgable. Highly recommend using Fearnow & Joe for your personal lines needs.
Amy Walker
01:04 23 Sep 23
Fearnow has handled our personal and commercial insurance needs for many years now and have always gone the extra mile to make sure we have our insurance needs taken care of!
All American Land Management LLC
20:10 22 Sep 23
Amanda Ball was AWESOME!!!!!!! Thank you so much!!!!
Mindy Polk
13:31 22 Sep 23
Gracias por Tu excellente servicio, Jennifer . Cada vez que hablo contigo es un placer, eres paciente y de verdad muestras interes en ayudar. Una clienta satisfecha.
Alejandra Del castillo
22:56 14 Sep 23
Highly recommend Fearnow Insurance and Daneen Stiles. She went above and beyond to keep me as a client. Explained all my options to me. Thank you!
Lori Rogers
13:32 12 Sep 23
Joe Boyle was able to help us out very quickly getting new Home and Car insurance after AAA decided to cancel us. Aside from getting this done in a day, it was cheaper as well. All this after we had been waiting for about 2 weeks, twice in a row by other "insurance agents" without as much a quote. Joe really killed it. Don't fear now, call Joe!
Maarten Huiskamp
22:23 11 Sep 23
Look no further for your insurance needs. As you all know, purchasing a home and finding a credible insurance agency can be stressful. Amanda Ball, went above and beyond answering any questions I had and guiding me through what I needed. She was so pleasant and easy to talk to. Highly recommended, she is my go to for all insurance needs!
Nicole Buchana
19:59 11 Sep 23

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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