Commercial

Insurance for Commercial Automobiles

Running a business in Florida comes with sunshine and plenty of risk.
From hurricanes and lawsuits to employee injuries and cyber threats, having the right business insurance can mean the difference between a quick recovery and a major setback. Whether you're a small startup, a local service provider, or a growing operation with multiple locations, Ted Todd Insurance is here to help you protect what you’ve built.

Why Business Owners Need Commercial Insurance in Florida

Florida is a dynamic place to do business but it also comes with:

• Frequent storms and hurricane exposure
• High rates of property and liability claims
• Tourism- and service-heavy industries with unique liability risks
• Stringent legal requirements for certain types of coverage

Without the right insurance, one lawsuit, accident, or disaster could shut you down.

What Does Commercial Insurance Cover?

Every business is different, but here are the most common commercial insurance coverages in Florida:

• General Liability Insurance
  Covers third-party injuries, property damage, and legal defense costs. If a customer slips in your store or you accidentally damage a client’s property, this is your first line of defense.
• Commercial Property Insurance
  Protects your building, equipment, furniture, signage, and inventory from fire, theft, storms, and vandalism. This is critical in hurricane-prone areas of Florida where rebuilding can be expensive and time-consuming.
• Business Interruption Coverage
  Helps replace lost income and pay ongoing expenses (like payroll or rent) if your business has to temporarily close due to a covered event. Especially helpful during hurricane season.
• Workers' Compensation Insurance
  Required in Florida if you have four or more employees (or just one if you’re in construction). Covers medical bills and lost wages if an employee is injured on the job.
• Commercial Auto Insurance
  If you use vehicles for work, whether it’s one delivery van or a fleet, you’ll need commercial auto coverage to protect your drivers, passengers, and liability on the road.
• Professional Liability (Errors & Omissions)
  Covers lawsuits related to mistakes or negligence in professional services. This is key for consultants, real estate agents, accountants, and other service-based businesses.
• Cyber Liability Insurance
  If your business stores customer data, takes online payments, or uses digital tools, cyber liability can help cover costs from data breaches, hacks, and cyberattacks.