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.
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.