Question 1

Do I need workers' comp insurance in Florida?

Accepted Answer

Yes if you have 4 or more employees in most industries — or even 1 employee in construction. Sole proprietors and partnerships can usually opt out for themselves but still need it for employees. Fines for non-coverage are $1,000+ per day. We quote workers' comp with major Florida markets including AmTrust, Travelers, and The Hartford.

Question 2

How much does a Business Owner's Policy (BOP) cost in Florida?

Accepted Answer

BOPs for low-risk Florida small businesses (offices, retail, professional services) typically run $500–$1,500/year for $1M general liability + $100–$250K property. Higher-risk classes (restaurants, contractors, food trucks) run $1,500–$5,000/year. We shop biBERK, Next, Hiscox, The Hartford and Travelers to find your best rate.

Question 3

Can you insure my food truck?

Accepted Answer

Yes — food truck coverage in Florida combines commercial auto (the truck itself), general liability (customer injury, food-borne illness), and equipment coverage (cooking appliances, generators). We work with specialty markets that understand the mobile-food business and can usually quote within 1 business day.