Protect Your Florida Business
Every business faces unique risks. Our commercial insurance specialists help Florida business owners find the right coverage to protect their assets, employees, and livelihood.
Commercial Insurance Carriers We Work With
Why Florida Businesses Trust Us
Our licensed Florida agents help you find the right coverage at the right price.
Industry-Specific Coverage
From restaurants and contractors to healthcare providers and retailers — we understand the unique risks of your industry and find coverage that fits.
Competitive Business Rates
We compare commercial carriers to find the most competitive premiums for your business size, industry, and risk profile.
Certificate of Insurance
Need a COI for a contract or client? We issue certificates of insurance quickly so you never lose a business opportunity over paperwork.
Commercial Coverage Options
Every situation is different — we'll help you find the plan that fits your life and budget.
General Liability
Essential protection against third-party bodily injury, property damage, and advertising injury claims.
- Bodily injury & property damage
- Products & completed operations
- Personal & advertising injury
- Medical payments
- Certificate of insurance
Business Owner's Policy
A bundled BOP combining general liability and commercial property — the smart choice for most small businesses.
- General liability included
- Commercial property coverage
- Business interruption coverage
- Equipment breakdown
- Bundle discount savings
Specialty Lines
Professional liability, workers' comp, cyber liability, and industry-specific coverage for complex business needs.
- Professional liability (E&O)
- Workers' compensation
- Cyber liability & data breach
- Directors & officers (D&O)
- Commercial umbrella
Frequently Asked Questions
Have more questions? Call us at (716) 424-5479.
Is general liability insurance required in Florida?
Florida doesn't universally require general liability, but many contracts, leases, and licensing requirements mandate it. It's considered essential protection for virtually every business.
Is workers' compensation required in Florida?
Yes, for most businesses. Florida requires workers' comp for construction businesses with 1+ employees and non-construction businesses with 4+ employees. Agricultural businesses have different thresholds.
What is a Business Owner's Policy (BOP)?
A BOP bundles general liability and commercial property insurance into one convenient policy, typically at a lower cost than buying each separately. It's ideal for small to mid-sized businesses.
Do I need cyber liability insurance?
If your business stores customer data, processes payments, or relies on technology, cyber liability insurance is strongly recommended. Florida has strict data breach notification laws that can result in significant costs.
Serving South Florida & All of Florida
Licensed Florida agents based in Homestead, proudly serving families and businesses across Miami-Dade, Broward, Palm Beach, and Monroe counties — and statewide.
Bilingual Service — English & Spanish
Our agents are fully bilingual. Whether you prefer English or Spanish, you'll get the same expert guidance, clear explanations, and personal attention — in the language you're most comfortable with.
Florida-Licensed & Independently Owned
We're not a call center. We're a locally-owned, Florida-licensed agency based in Homestead — your neighbors, not a 1-800 number. We know the Florida market, the carriers, and the communities we serve.
What Our Clients Are Saying
Real reviews from real Florida families — straight from Google.
Yamilka García Gil
May 2026
"Excellent service! He was extremely efficient, professional, and attentive throughout the entire process. He took the time to carefully understand both my child's and my needs and worked hard to find the best insurance options for us. I truly appreciated his patience, knowledge, and dedication. I highly recommend him to anyone looking for reliable and personalized help with health insurance."
Yt Capolot
June 2026
Jamie helped a lot — fast responder and gets the best plans for you and your loved ones. Would recommend 100 percent.
Sinahi Cardero
May 2026
Thanks to Jaime and his team at Just Insurance Services for all the help with my health and car insurance. I highly recommend them! They are very professional.
Leydis Ricardo Santiesteban
October 2025
I want to thank the team for their excellent service. They treated me with great courtesy and efficiency, and helped me at every turn. It was a very good experience.
Nathalia Vargas
September 2025
The person who helped me through the process of getting the health insurance that best suited my personal medical needs was extremely professional, respectful, and able to answer all my questions. Thank God and him, I'll soon be able to see the specialists I need!
Marlon Vazquez
September 2025
Very friendly and very good service. Thank you!
Also Explore
We review all your coverage together — so nothing falls through the cracks.
Ready to get covered?
Get a free, no-obligation quote today. A licensed Florida agent will reach out within 1 business day.
Related Resources
Small Business Insurance Checklist
The essential coverages every Florida small business needs — and common gaps to avoid.
Free Business Risk Assessment
Identify coverage gaps in your business — free 15-minute review.
Commercial Auto Renewal Rescue
Compare 20+ carriers before your next commercial auto renewal.
JustShield™ Protection Score
Free 8-step coverage assessment — includes business liability and property protection.