Florida Commercial Property Insurance Built for Business Owners

Trusted Florida Expertise • Free Consultations • Custom Coverage

Protect Your Business Assets — Inside and Out

At FLB Insurance Agency, our team helps Florida businesses safeguard buildings, contents, and income against fire, theft, windstorm, vandalism, and other perils. We tailor coverage from top-rated insurers to your business plan and risk profile.

(239) 205-1500

What’s Covered vs. What Isn’t

Included Coverage:

  • Buildings and Structures – Offices, warehouses, or tenant improvements.
  • Contents & Inventory – Office furniture, fixtures, stock, tech, and property you care for.
  • Property in Your Care – For example, customer items temporarily stored onsite.

Common Exclusions:

  • Floods, earthquakes, and government-mandated actions require separate coverage.
  • Wear-and-tear, rust, mold, or regular maintenance needs are not covered.

Critical Add On Coverages for Florida Businesses

Business Interruption (Business Income & Extra Expense):

Replaces lost income, payroll, rent or loan payments, and extra costs when a covered event forces you to close temporarily. It can also cover income lost due to civil authority closures.

Equipment Breakdown Coverage:

Covers mechanical or electrical failure of machinery like HVAC systems, boilers, or production

Ordinance or Law Coverage:

Pays additional rebuilding costs to meet current building codes—especially important for older properties.

Wind Deductible Buy-Back:

Allows you to lower your hurricane/wind deductible—sometimes from 2–15% of insured value—to a manageable flat amount.

Crime Coverage:

Protects against employee theft, burglary, forgery, cyber threats, and loss of money or securities.

Inland Marine (Equipment Floater):

Covers equipment taken off-site like tools, computers, or inventory in transit—not protected by standard property policies.

Policy Types & Pricing

Form Options:

  • Named/Basic Perils – Covers specific listed risks such as fire, smoke, or theft.
  • Special/Open-Peril – Broader "all-risk" protection excludes only named exclusions.

Valuation Types:

  • Replacement Cost – Pays full rebuilding or replace cost.
  • Actual Cash Value – Pays replacement minus depreciation—less coverage for older assets.

Estimated Cost:

Florida annual premiums typically range from $500 to $2,000, depending on coverage amount and business type—though costs can fall anywhere between $250 and over $10,000 for high-value or high-risk properties.

Stand-alone property policies generally cost $60–$190 per month as part of a small-business package.

Why Personal or Standard Policies Miss the Markate?

Many businesses mistakenly assume their property is fully protected, often overlooking key gaps:

  • Flood and hurricane-related flood damage are not covered unless you add separate flood insurance—most important in Florida.
  • Equipment off-premises may be excluded without inland marine endorsements.
  • Downtime costs like lost revenue or relocation expenses aren’t covered without business interruption insurance.

How FLB Helps You Stay Protected

1. Free Risk Assessment – We review your premises, business operations, and equipment to identify coverage gaps.

2. Custom Quote Shopping – We compare top carriers to find you the right combination of price and protection.

3. Tailored Policy Design – Pick from endorsements like business interruption, ordinance coverage, inland marine, and wind deductible options.

4. Ongoing Claim Support – We guide you from inception to renewal, and advocate on your behalf during claims.

Frequently Asked Questions

  • Do I need flood insurance too?

    Yes. Standard commercial property insurance does not cover flood damage—your business needs a dedicated flood policy to be protected.

  • Should I bundle policies?

    Yes—many clients save by bundling property with general liability, commercial auto, and workers’ comp through a Business Owner’s Policy (BOP).

  • How often should I review my policy?

    Annually—or any time your asset base changes (new inventory, renovations, new location)—to keep coverage aligned with your operations.

Protect Your Property, Assets & Business Operations

Call FLB Insurance Agency for a free commercial property insurance quote today.

(239) 205-1500