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Commercial Insurance in Florida

Bettr Coverage is an independent commercial insurance agency licensed in Florida. We serve businesses in Jacksonville, Miami, Tampa, Orlando, Tallahassee, Fort Myers, Pensacola with 19 carriers — 13 standard admitted markets and 6 excess & surplus lines — covering every commercial risk class from sole-proprietor LLCs to 100-truck fleets.

TL;DRFlorida WC: 4+ non-construction employees; construction requires WC at 1 employee. Private market with Citizens WC as residual.

Why Florida businesses call us

Most Florida commercial insurance agencies carry 3–8 carriers — fine for clean, easy risks. We carry 19, including excess and surplus lines markets most agencies don't have access to. That means we can place the hard stuff: tree service, coastal property, high-mod contractors, trucking with CSA issues, restaurants with recent losses.

Typical Florida rate benchmarks

WC class 5445 (carpentry) ~$9.20/$100 payroll. Coastal property TIV rates 3–8x higher than inland.

Key Florida statutes and requirements

SB-1028 (HOA structural insurance requirements). §768.125 liquor. FDOT: $1M/$2M + $5–10M umbrella.

Where we focus in Florida

Coastal property and HOA (state-wide coastal), hurricane-exposed commercial, restaurants, trucking (I-95/I-75), hospitality.

Coverage practices for Florida businesses

Contractor Insurance

GL, WC, tools/equipment, commercial auto for Florida GCs, subs, and specialty trades. GDOT/FDOT/DOT-compliant programs.

Trucking Insurance

Primary liability, physical damage, cargo for Florida-based motor carriers and owner-operators.

HOA & Condo

Master property, D&O, wind/flood for Florida associations — particularly coastal exposures.

Restaurant & Bar

BOP, liquor liability, WC, spoilage for Florida full-service, QSR, bars, and food trucks.

Church & Religious

Property, GL, sexual misconduct, D&O for Florida churches, schools, camps, and ministries.

Workers Comp

Ghost policies for sole-proprietor LLCs. High-mod placement. Pay-as-you-go with payroll integration.

Cities we serve in Florida

Jacksonville Miami Tampa Orlando Tallahassee Fort Myers Pensacola

Recommended reading for Florida business owners

Our sister site InsuranceAnswers.ai publishes in-depth research. A good starting point:

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Send your current policy dec. We audit, shop 3–5 carriers, and send back a side-by-side. No obligation.

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Frequently Asked Questions

What states does Bettr Coverage cover besides Florida?
We're licensed in Georgia (resident state), Florida, South Carolina, North Carolina, and Tennessee. If your business operates in multiple Southeast states, we can write each state on the appropriate carrier and coordinate coverage across all locations.
How do Florida workers comp rates compare to other Southeast states?
Florida WC: 4+ non-construction employees; construction requires WC at 1 employee. Private market with Citizens WC as residual. WC class 5445 (carpentry) ~$9.20/$100 payroll. Coastal property TIV rates 3–8x higher than inland. Florida WC is overseen by NCCI in most cases. Exact rates depend on your class code mix and experience mod.
Can you write risks that standard Florida carriers declined?
Yes — that's the core of what we do. Our 6 excess & surplus lines wholesalers (Amwins, Jencap, RT Specialty, Johnston & Johnston, Wholesure, XS Brokers) write Florida risks that standard admitted markets won't touch. See our hard-to-place risks guide.
How long does it take to get Florida coverage bound?
Typical timeline: 48 hours to submission-ready after we receive your current dec pages, 3–5 business days for carrier quotes back, same-day binding once you select. Rush binds possible on straightforward risks if needed for a contract deadline.
Do you handle multi-state accounts headquartered in Florida?
Yes. We write the home state on one carrier and add out-of-state endorsements or separate state policies as required. Workers comp is state-specific; GL and auto usually follow the business nationally with correct endorsements.