Insurance brokers
Blacks Insurance
Black's Insurance & Financial Services is an independent insurance agency based in Plant City, Florida, in the Tampa Bay area. It places commercial, personal, and life coverage for business and property owners.
As an independent agency it shops coverage across many carriers rather than representing a single insurer. Commercial lines include general liability, commercial property, workers' compensation, and flood; personal lines cover vehicle, property, and life. The agency also works claims with clients, helping determine whether a loss is covered and assisting through the claim process, and describes putting together a custom program with flexible payment plans rather than quoting a single product.
Commercial insurance is written in Florida, Georgia, Louisiana, North Carolina, Ohio, South Carolina, and Texas; personal lines are offered in Florida. The agency is family owned and operated, has been a member of the Plant City Chamber of Commerce since 2008, and works from 1701 James L. Redman Pkwy in Plant City, with office hours Monday to Friday, 9 a.m. to 5 p.m.
The site lists two phone numbers in different places, and the contact form is operated by CG Black Financial Services, Inc., so the right number and contracting entity are worth confirming. No premiums are published.
Best for
Florida business and property owners, particularly around Tampa Bay, who want an independent agent to shop commercial property, liability, or workers' compensation across carriers; commercial coverage also extends to six other states.
What they do
- Commercial property insurance
- General liability insurance
- Workers' compensation insurance
- Flood insurance
- Business insurance packages
- Personal auto insurance
- Homeowners insurance
- Life insurance
- Claims assistance
Details
| Attribute | Value |
|---|---|
| Ownership | Private |
| Memberships | Plant City Chamber of Commerce member since 2008 |
What stands out
- Writes commercial insurance in Florida, Georgia, Louisiana, North Carolina, Ohio, South Carolina, and Texas.
- Personal lines covering vehicle, property, and life are offered in Florida.
- Family owned and operated, based at 1701 James L. Redman Pkwy in Plant City, Florida.
- Member of the Plant City Chamber of Commerce since 2008.
Common questions
- What does an independent insurance agency do?
- An independent agency shops coverage with many different carriers rather than representing a single insurer. Black's Insurance quotes life, personal auto, homeowners, business, and commercial property coverage across multiple companies to find the best combination of price and coverage.
- What does commercial property insurance cover?
- Commercial property insurance protects a company's building and the business personal property inside it against fire, explosions, burst pipes, storms, theft, and vandalism. Earthquakes and floods are typically not covered, but can be added through separate policies.
- What is a general liability policy?
- A general liability, or business liability, policy protects a business against claims involving bodily injury and property damage that could happen at the business. The agency states that every business has a need for general liability insurance.
- Who needs workers' compensation insurance?
- Workers' compensation provides cash benefits and medical care for workers who are injured or become ill as a direct result of their job, and the employer pays for it. The agency states that every business with one employee should have this coverage, and that owners and officers of a corporation may choose to be included or excluded.
- Are all insurance claims paid?
- No. Each claim is investigated on its own merit. The agency notes that carriers do not insure age: if a commercial roof is 20 years old and has not been properly maintained or replaced, a water damage claim may be paid only in part, or not at all.