Insurance brokers
Florida Commercial Insurance
Florida Commercial Insurance Agency writes commercial and construction risk insurance for businesses across Florida, from main street operations to heavy contractors. It says it specializes in commercial products rather than working as a generalist agency, and its family has been providing Floridians insurance since 1968.
The agency is certified in construction risk and can provide the endorsements contractors are asked for, including CG 2010, CG 2037 completed operations, CG 2404 waiver of subrogation, and primary and non-contributory wording. Construction clients get round-the-clock access to detailed certificates and builders' requirements. Lines written include commercial general liability, workers' compensation, business auto liability, bonds and sureties for licensing and for payment and performance, and specialty covers such as EPLI, pollution, and professional liability.
As a licensed surplus lines agency it can quote risks standard carriers decline, and it names roofing and heavy construction as examples. It says it deliberately limits its carrier appointments so it knows the carriers it places business with, and that its agency holds the AIMS Certified Professional Insurance Agent (CPIA) designation. Its office is at 5954 Frond Way in Apollo Beach, south of Tampa.
No rates or minimum premiums are published, and appetite varies by carrier and trade, so send your operations and loss history and ask which carrier the quote sits with.
Best for
Florida contractors, especially roofers, general contractors, and specialty trades, plus commercial property and main street business owners who need liability, workers' compensation, and bonds, including risks that have to go to surplus lines carriers.
What they do
- Commercial general liability
- Workers' compensation
- Business auto liability
- Construction and contractor risk insurance
- Surplus lines placement for hard-to-place risks
- License, payment, and performance bonds
- Employment practices liability (EPLI)
- Pollution liability
- Professional liability
- Certificates of insurance for construction contracts
Details
| Attribute | Value |
|---|---|
| Founded | 1968 |
| Ownership | Private |
| Licenses | Licensed surplus lines agency (FL) |
| Memberships | AIMS Certified Professional Insurance Agent (CPIA) designation |
What stands out
- Says the family has been providing Floridians insurance since 1968.
- Holds the AIMS Certified Professional Insurance Agent (CPIA) designation.
- A licensed surplus lines agency, which lets it quote risks such as roofing and heavy construction.
- Provides construction endorsements including CG 2010, CG 2037 completed operations, CG 2404 waiver of subrogation, and primary and non-contributory wording.
- Gives construction clients round-the-clock access to detailed certificates and builders' requirements.