Florida Commercial Insurance
Independent business insurance for Miami, Orlando, Tampa, Jacksonville, and businesses across Florida.
Florida's commercial insurance market is one of the most challenging in the country. Wirehaired Trust helps Florida businesses navigate carrier restrictions, coastal wind requirements, and mandatory workers' comp laws — and still find competitive pricing from top-rated carriers.
Florida Business Insurance Solutions
- General Liability Insurance
- Commercial Property (including wind and flood endorsements)
- Workers' Compensation (required for most FL businesses)
- Commercial Auto Insurance
- Umbrella & Excess Liability
- Cyber Liability Insurance
- Liquor Liability & Hospitality Programs
- Builder's Risk & Contractor Programs
Florida-Specific Considerations
- Workers' compensation is mandatory for most Florida employers with 4+ employees — and for any construction business with even 1 employee
- Coastal wind and named storm exposures require specialized property coverage — many standard carriers have limited capacity in coastal counties
- Hurricane risk affects both property and business interruption coverage limits and deductibles
- Florida's litigation environment means liability limits and umbrella coverage are especially important
Cities We Serve in Florida
- Miami & South Florida
- Orlando & Central Florida
- Tampa & Tampa Bay Area
- Jacksonville & Northeast Florida
- Fort Lauderdale, West Palm Beach & more
Get a Florida Business Quote
Florida Cities We Serve
Local market pages with the carrier appetite, deductible norms, and contract requirements specific to each metro.