Florida Business Insurance

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Small business coverage in the Sunshine State

Florida boasts some impressive small business statistics, currently housing 2.5 million small businesses that employ 3.3 million people across an enormously eclectic range of industries. To put that into context, small businesses make up 99.8% of businesses in the state and employ 42.2% of its available employees — a testament to both small businesses’ integral role in any community and to Florida’s business-friendly legislature. However, despite the success of many small businesses in the state, if you’re thinking of starting or growing your small business in Florida, there are still certain areas of increased liability of which you need to be aware to proactively protect your business.

Key Florida laws and conditions driving increased business liability rates

Florida prides itself on being business-friendly, boasting no state income tax and relaxed regulations favoring common business practices. For example, Commercial Liability Insurance is not required for small business owners in Florida like it is in other states. Even though regulations in the state are relaxed, Florida is known to be especially litigious, and courts tend to reward large sums of money to plaintiffs. As a result, many small businesses in Florida purchase multiple forms of insurance, even though it is not a legal requirement.

Florida Workers Compensation Laws and Requirements

The state of Florida requires employers with four or more employees, full-time or part-time, to provide workers compensation insurance to their employees. According to the National Federation of Independent Businesses (NFIB):

  • Construction businesses with one or more employees and non-construction industry employers with four or more employees (full-time or part-time, including corporate officers and LLC members) must carry coverage.
  • Agricultural businesses with six or more regular employees and/or 12 or more seasonal employees who work for more than 30 days must carry coverage.
  • Sub-contractors are responsible for providing coverage for their workers, but primary contractors are responsible for ensuring that the sub-contractor is covered.
  • Out-of-state employers must immediately notify their carrier that they have employees working in Florida, carry a Florida workers compensation policy, or include Florida in the out-of-state policy.

According to the same source, corporate officers and members of an LLC are considered corporate officers or employees, but they can exempt themselves from insurance coverage. Sole owners and partners of companies that are not in construction are not considered employees unless they want to be. Approved businesses can self-insure themselves.

Top Industries in Florida

Hiscox covers businesses in all of Florida’s most prominent industries and has policies that are tailored to the specific needs of each of those industries. Some of our most popular coverage products in Florida are those that are tailored to businesses providing massage therapy, contracting, landscaping, life coaching, and real estate services.

More professions we insure in Florida

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

How can Hiscox help your Florida small business?

One-size-fits-all insurance policies are a thing of the past!  At Hiscox, we work to build deep understandings of the risks in each of the industries we serve in order to provide YOU solutions that are tailored to fit the unique needs of your business.

In addition, we offer a range of benefits designed to let you take the next step with your business while we worry about the risks: 

  • Flexible payment options: Managing your cash flow can be tough. Take advantage of our monthly payment option (with no fees) to help you take control of your future.
  • Tailored insurance.  We offer you the ability to custom build your own insurance plan to meet the needs of your business and save you money.
  • Claims responsiveness. When a covered claim is reported, Hiscox will immediately assign a dedicated claims representative to assist you.
  • Worldwide coverage.  A business insured through Hiscox is covered for work done anywhere in the world, as long as the claim is filed in the U.S., a U.S. Territory, or Canada.

Get a fast, free quote now and get that Hiscox confidence behind your Florida business. If you prefer, you can call us at 1-866-283-7545 and speak with a Hiscox licensed agent, Monday – Friday, 7am – 10pm ET.

Hiscox Customer Reviews

Hiscox rated 4.7/5
Rated 4.7/5

5 Stars

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!


5 Stars

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.


5 Stars

Dean, St Augustine, FL

“Laymans terms”

simplicity and professional


5 Stars

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!


4 Stars

Ana, Palm Bay, Florida

"My service feedback with Hiscox"

Excellent customer care


5 Stars

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. 5 Concourse Parkway, 21st Floor, Atlanta, GA 30328.