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Florida Business Insurance

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Florida Small Business Insurance

For a small business in Florida, or anywhere else in the world to succeed today, it has to be nimble and adjust to the changing times. We think the way you buy small business insurance should be held to the same standards. That is why we are the first US insurer to offer small business insurance direct and online.

Small Business Insurance Available in Florida

At Hiscox, we do not believe in offering a one-size-fits-all insurance policies. We customize small business insurance policies to your needs. Hiscox small business insurance products offered in Florida include:

Professional Liability Insurance, often referred to as errors and omissions insurance (E&O insurance) which offers coverage from another person’s claims against businesses that provide professional and personal services. Some examples of what could be covered are below:

  • Protection even if you haven’t made a mistake:  A personal trainer creates a workout plan for a new client. After a few weeks of following the workout plan, the client begins to experience some pain related to an injury sustained years before. The client failed to mention the injury but sues the personal trainer anyways for negligence. A professional liability insurance policy could protect them, including defense costs.
  • Negligent acts: A photographer is hired to take photos for a 25 year anniversary, but forgets to take pictures of key family members. The client may make a claim against the photographer regarding failure to fully deliver the services agreed upon. Professional liability coverage could cover the claim and pay for an attorney to defend the photographer if necessary.

Learn more about professional liability insurance.


Errors and Omissions Insurance (E&O insurance) or professional liability insurance, protects your business against accusations of negligence of the failure to perform your professional services, even if you haven’t made a mistake. You should seriously consider errors and omissions insurance if your business:

  • Provides a professional service
  • Regularly gives advice
  • Is required by your clients

Learn more about errors and omissions insurance.


General Liability Insurance, commonly known as Commercial General Liability Insurance (CGL) protects your business from another person or business’s claims of bodily injury, associated medical costs, and damage to property.

  • Bodily Injury: It is raining outside and a client hastily enters a spa and slips on the floor, that does not have a wet floor sign. The client sustains injuries and makes a claim against the spa owner. A general liability insurance policy could cover the client’s medical costs, including any lost wages, that result from the injury.
  • Property damage/Data Loss: A consultant is working in a new client’s office when they accidentally spill coffee on the server. The machine is damaged beyond repair and valuable data is lost. The consultant’s general liability insurance could cover the cost to replace the server.
  • Personal Injury: A tax preparer is overheard talking about a client in a false and unflattering way. The client finds out about the conversation and sues for slander. The tax preparer’s general liability policy could cover the defense costs as well as any settlement or judgment.


Learn more about general liability insurance.


Why Choose Hiscox?

  • Flexible payment options: We offer you the option of making monthly payments (with no fees) to help you manage your cash flow.
  • Customized Insurance: Insurance tailored to meet your needs and save you money.
  • Claims Responsiveness: When a covered claim is reported, we will immediately defend you even if the claim has no basis and, if necessary, appoint an attorney.
  • Worldwide coverage: We protect you for work done by your business anywhere in the world, as long as the covered claim is filed in the United States, a US territory, or Canada.


Not sure what type of Florida Business Insurance is right for you?

Give one of our licensed advisors a call at 1-866-283-7545 and we will help you find the right insurance for your business Monday thru Friday 8am-10pm EST.

Our insurance products have been approved as required by the Florida Office of Insurance Regulation and are underwritten by Hiscox Insurance Company Inc., a Chicago, Illinois, insurance company.



Rated 4.8/5 for customer satisfaction on feefo – 8,531 reviews

Pamela, Boynton Beach, FL
“I was expecting a much more labor intensive experience, not to mention I had been told the cost would be much higher! I was very pleasantly surprised!”
I was expecting a much more labor intensive experience, not to mention I had been told the cost would be much higher! I was very pleasantly surprised!

Dyce Digital Networking Solutions, Orlando, FL
“Easy, quick, and affordable”
It was easy and fast using the website. I found just what my business needed and it was affordable.

Dean, St Augustine, FL
“Laymans terms”
simplicity and professional

Gerardo, Miami, Florida
"My service feedback with Hiscox"
I switched to Hiscox and had a binder for both E and O and Gen. Liability within 15 mins!

Ana, Palm Bay, Florida
"My service feedback with Hiscox"
Excellent customer care

Paula, Miami, Florida
"Ease of purchase transaction"
It was an easy process

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This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverage is subject to underwriting and may not be available in all states. 

Administered by Hiscox Inc., a Delaware corporation that is a licensed insurance producer in all states and Washington, D.C. 520 Madison Avenue, 32nd Floor, New York, NY 10022.

Contact Hiscox the small business insurance specialists, and speak to one of our licensed agents today!


Mon-Fri: 8am - 10pm ET