Florida Small Business Insurance Requirements: What You Need to Know

Florida Small Business Insurance: The Basics

Florida law requires most small businesses to carry specific types of insurance. At a minimum, you'll need general liability (GL) coverage, and if you have employees, workers comp is mandatory. A Business Owner's Policy (BOP) bundles GL with property insurance, often at a discount. Since 1966, Tomlinson & Co has helped Florida businesses stay compliant and protected.

Key Florida Insurance Requirements

• Workers Compensation: Required for businesses with 4+ employees (including part-time). Construction businesses need it even with 1 employee.
• Commercial Auto: Mandatory if your business owns vehicles. Learn more about commercial auto requirements.
• Professional Liability: Often required for licensed professionals like contractors and consultants.

Why Florida Businesses Need Extra Protection

Florida's unique risks—hurricanes, sinkholes, and high litigation rates—mean standard policies may not be enough. Many businesses add flood insurance or umbrella policies. For construction and trades, workers comp rates are particularly high due to Florida's dangerous jobsites.

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