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Florida Small Business Insurance

With endless sunshine and beautiful scenery, Floridians know how lucky they are to live here. However, Florida small business owners also know that running a company in the Sunshine State is not without risks, and employers routinely deal with costly liability exposures. That is precisely why Florida business owners should rely on AmVenture Insurance Agency, Inc. for their commercial insurance needs. With our bespoke insurance solutions, we can help ensure your business is protected from the unexpected.

Insurance Plans for Small Businesses in Florida


Even if your business is thriving and turning over a healthy profit, a single accident or claim could leave your company with financial issues. Litigation costs are extremely high and, without adequate insurance coverage, you may be gambling with the survival of your small business. AmVenture offers a comprehensive line of insurance products tailored for the needs of small businesses, including lines for workers' compensation, general liability, commercial auto, and much more.

What Insurance Do You Need in Florida?

  • Workers' Compensation: Most non-construction and non-agriculture employers must provide workers' compensation insurance for their employees if they employ four or more people. For construction businesses, workers' comp insurance is mandatory for companies that employ at least one person. Contractors are also liable for ensuring that their subcontractors carry workers' compensation insurance. Without workers' comp insurance, not only are your employees left unprotected, but your business could face severe civil penalties and be subject to steep litigation costs if an employee is injured on the job.
  • Commercial General Liability: Commercial general liability insurance is considered a standard insurance product for most small businesses, especially if you run a business that sees a lot of foot traffic from customers and clients such as a retail store or restaurant. This coverage option helps ensure that if a third party is injured or falls ill due to your business' alleged negligence (such as an uncleaned spill that causes a slipping hazard) that the costs of any resulting claims will be covered by your insurance.
  • Property Damage: Fire, theft, and vandalism are just some of the risks your property is exposed to on a routine basis. While in some cases those threats may simply be minor irritants, in other cases they could force your business to close down temporarily and lead to substantial repair bills. Our property damage coverage will help mitigate those costs.
  • Businessowners Policy (BOP): A convenient and cost-effective strategy that many small business owners use is to bundle their general liability and property damage coverage together into a Businessowners Policy (BOP). A BOP can be tailored for your business and include other coverage options, including business interruption insurance if your business has to temporarily relocate or shut down.

Business Insurance You May Need

No two businesses are alike and, while just about every business can benefit from the insurance options listed above, additional coverage may be necessary depending on your risk exposure and the line of work your company is involved in. Insurance coverages you may also need include:

  • Commercial Auto
  • Errors and Omissions (E&O)
  • Professional Liability (including Medical Malpractice)
  • Cyber Liability
  • Disability
  • Employment Practices Liability (EPLI)

How Do I Get Small Business Insurance?

Some risks can never be avoided, but the potential for crippling repair bills and high claims costs can be substantially reduced with a bespoke insurance solution from AmVenture. Fill out the form at the top of this page and you will soon hear from one of our friendly representatives who will show you how switching to AmVenture could save your business money while reducing its risk exposure.

About AmVenture

  • “A” (Excellent) by A.M. Best Company

    Our affiliated insurance carriers are rated “A” (Excellent) by A.M. Best Company, a widely recognized provider of ratings, financial data and news with an exclusive insurance industry focus.

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  • 24/7 online claim filing

    Our affiliated carriers provide 24/7 online claim filing so you don’t lose valuable time between claim and resolution.

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  • Workers’ compensation

    We specialize in workers’ compensation for small- to mid-sized “Main Street” businesses, supported by an experienced and dedicated staff.

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  • Superior service

    Our goal is to provide a competitive premium cost while delivering superior service that allows you – as a small business owner – the security of knowing your business is protected.

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Call today to get your free small business insurance quote!

(877) 813-8518