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Florida Southern Insurance offers a full-line of Business and Commercial Insurance coverage including:

  • Auto
  • Workers Compensation
  • Business Package
  • Condo and Homeowners Associations
  • Contractors
  • Boiler & Machinery
  • Builder’s Risk
  • Commercial General Liability
  • Director’s & Officers Liability
  • Employment Practices Liability
  • Errors & Omissions and Professional Liability
  • Pollution Liability
  • Liquor Liability
  • Restaurants
  • Garage Liability
  • Bonds
  • Habitational Coverage
  • Hole-in-One Coverage
  • Wind Coverage
  • Flood

The Power to Own

Running your own business is tough. Let Florida Southern Insurance help you protect it. We’ll analyze your needs and build a plan to fit them. You work hard enough. We’ll take some of the worry off of your mind.


Business Coverages

Running a business in today’s economy is a challenge, but it can also be very rewarding. Keeping up with day-to-day operations sometimes takes most of your time, but taking precautions now may save you headaches down the road.

At Florida Southern Insurance, we know how important your business is to you. That’s why we take the time to analyze your needs, and develop a plan that’s customized and responsive to your specific situation.

These are examples of coverages available. Your policy may include others.

Business Property

Our business insurance property coverages include:

  • Fire and Lightning
  • Windstorm and Hail
  • Explosion
  • Sprinkler Leakage
  • Vandalism and Malicious Mischief
  • Smoke

Liability Exposure

We can provide insurance against liability losses, such as:

  • Premises and Operations Liability
  • Advertising and Personal Injury
  • Bodily Injury/Property Damage
  • Products and Completed Operations
  • Medical Payments
  • Fire Legal Liability
  • Host Liquor Liability

Additional Coverages

In addition to protecting your business property and providing for liability expenses, you may have other business insurance needs. Other coverages that can be added are:

  • Commercial Auto which provides coverage for your company vehicles, including: Liability, Comprehensive, Collision, Medical Payments, Hired Auto, Non-owned Auto, Uninsured/Underinsured Motorists, Personal Injury Protection in states with “no-fault” laws.
  • Worker’s Compensation which provides coverage for your employees resulting from injury sustained while in your employment.
  • Commercial Umbrella which provides additional liability limits over your underlying policies to cover catastrophic losses. In some circumstances, it also provides broader coverage than the underlying policies.

Protection Plan

Your Florida Southern Insurance Agent can help in developing a Business Protection Plan that will pay you for the actual loss of net income and continuing operating expenses resulting from a covered loss. Our products and coverage can be tailored to meet your business insurance needs.

Auto Business Coverage Auto

  • Bodily Injury Liability
  • Property Damage Liability
  • Medical Payments
  • Uninsured/Underinsured Motorist Coverage
  • Hired and Non-owned Liability
  • Personal Injury Protection
  • Comprehensive
  • Collision
  • Towing and Labor

Business Coverage Crime Options

  • Employee Dishonesty
  • Forgery and Alteration
  • Premises Burglary
  • Robbery and Safe Burglary
  • Computer Fraud
  • Theft, Disappearance, and Destruction
  • Premises Theft and Outside Robbery
  • Liability for Guests’ Property (Safe Deposit Box)
  • Liability for Guests’ Property (Premises)

Business Coverage General Liability

  • Premises and Operations Liability
  • Products and Completed Operations Liability
  • Personal and Advertising Injury
  • Fire Damage Legal Liability
  • Medical Payments Liability
  • Host Liquor
  • Liability

Business Coverage Inland Marine

  • Accounts Receivable
  • Valuable Papers and Records
  • Computer Equipment and Software
  • Contractors’ Equipment
  • Installation Floater
  • Signs
  • Farm Machinery
  • Livestock
  • Photographic Equipment
  • Physicians and Dentist
  • Equipment

Business Coverage Professional Liability

  • Cosmetologists and Barbers
  • Morticians
  • Optometrists
  • Opticians
  • Veterinarians
  • Printers’ Errors and Omissions
  • Pharmacists

Business Coverage Property

  • Building
  • Personal Property
  • Property of Others
  • Business Income
  • Extra Expense
  • Systems Protector (Equipment Breakdown)
  • Peak Season
  • Inflation Guard
  • Glass
  • Property in the Open
  • Outdoor Property including fences, trees, shrubs
  • Ordinance or Law Coverage
  • Spoilage

Business Coverage Umbrella

  • Commercial Umbrella
  • Fast Food Umbrella
  • Farm-Personal Umbrella
  • Business Owners’ Umbrella
  • Special Business Owners’ Umbrella
  • Business Owners’ Personal Umbrella

Business Coverage Workers’ Compensation

  • The Workers’ Compensation Section under which the insurer agrees to pay those benefits required by the Workers’ Compensation law or laws of the states(s) listed in the policy.
  • The Employers Liability section may protect you against liability to employees injured in the course of employment that is not compensable under the Workers’ Compensation Section.
  • The Other States Insurance Section may provide Workers’ Compensation and Employers Liability in states where you have or anticipate incidental exposures. Business Property Our business insurance property coverages include:
  • Fire and Lightning
  • Windstorm and Hail
  • Explosion
  • Sprinkler Leakage
  • Vandalism and Malicious Mischief
  • Smoke