{"id":475,"date":"2025-07-09T22:47:56","date_gmt":"2025-07-09T22:47:56","guid":{"rendered":"https:\/\/suninsuranceservices.com\/?page_id=475"},"modified":"2026-09-07T20:47:42","modified_gmt":"2026-09-08T00:47:42","slug":"business-in-florida","status":"publish","type":"page","link":"https:\/\/suninsuranceservices.com\/es\/business-in-florida\/","title":{"rendered":"Seguro comercial de Florida"},"content":{"rendered":"\n<style>\n.sun-commercial-hub{\n  --sun-purple:#4A1A5C;\n  --sun-orange:#F59222;\n  --sun-yellow:#FFD204;\n  --sun-lavender:#8A6B95;\n  --sun-yellow-soft:#FFF9D9;\n  --sun-lavender-soft:#F6F1F7;\n  --sun-cream:#FFFDF6;\n  --sun-ink:#302A33;\n  --sun-muted:#6C6570;\n  --sun-border:#E8DFEA;\n  max-width:1280px;\n  margin:0 auto;\n  color:var(--sun-ink);\n  font-family:Arial,Helvetica,sans-serif;\n  font-size:17px;\n  line-height:1.7;\n}\n\n.sun-commercial-hub *{\n  box-sizing:border-box;\n}\n\n.sun-commercial-hub section{\n  padding:46px 26px;\n  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solid var(--sun-border);\n  border-top:5px solid var(--sun-yellow);\n  border-radius:15px;\n}\n\n.sun-commercial-hub .quote-section{\n  background:linear-gradient(135deg,var(--sun-yellow-soft),#fff 58%,var(--sun-lavender-soft));\n  border:1px solid #F0DE7A;\n  border-radius:22px;\n}\n\n.sun-commercial-hub .fine-print{\n  padding:20px 12px 35px;\n  color:var(--sun-muted);\n  font-size:13px;\n  text-align:center;\n}\n\n@media(max-width:800px){\n  .sun-commercial-hub section{\n    padding:36px 18px;\n  }\n\n  .sun-commercial-hub .hero,\n  .sun-commercial-hub .agent{\n    grid-template-columns:1fr;\n  }\n\n  .sun-commercial-hub .hero{\n    padding:38px 22px;\n  }\n}\n<\/style>\n\n<article class=\"sun-commercial-hub\" id=\"florida-commercial-insurance\">\n\n<section class=\"hero\" id=\"commercial-insurance-hero\">\n  <div>\n    <span class=\"eyebrow\">Florida Business Insurance<\/span>\n    <h1>Florida Commercial Insurance<\/h1>\n    <p>Compare commercial insurance options for Florida businesses, including general liability, commercial property, workers compensation, commercial auto, cyber liability, professional liability, product liability, inland marine, employment practices liability, and industry-specific coverage.<\/p>\n    <p>Sun Insurance Services is an independent insurance agency based in Orlando. We help Florida business owners match insurance to their actual operations, contracts, vehicles, employees, property, equipment, customers, and certificate requirements.<\/p>\n\n&#8220;`\n<div class=\"button-row\">\n  <a class=\"sun-button\" href=\"#bizquoteform\">Request a Business Quote<\/a>\n  <a class=\"sun-button secondary\" href=\"tel:+14077811609\">Call Scott: 407-781-1609<\/a>\n  <a class=\"sun-button orange\" href=\"sms:+14077811609\">Text Scott<\/a>\n<\/div>\n&#8220;`\n\n  <\/div>\n\n  <aside class=\"hero-card\" aria-label=\"Florida commercial insurance quick answer\">\n    <h2 style=\"font-size:20px;\">Quick Answer<\/h2>\n    <p><strong>Commercial insurance protects a Florida business from financial losses involving customers, employees, property, vehicles, equipment, professional services, cyber events, lawsuits, and contractual obligations.<\/strong><\/p>\n    <ul>\n      <li>Coverage should match the business activity.<\/li>\n      <li>Contract and lease requirements should be reviewed before binding.<\/li>\n      <li>Employee classifications and payroll must be accurate.<\/li>\n      <li>Commercial vehicles and personal vehicles used for business require careful review.<\/li>\n      <li>Certificates confirm insurance but do not expand policy coverage.<\/li>\n    <\/ul>\n  <\/aside>\n<\/section>\n\n<section class=\"center\" id=\"commercial-insurance-overview\">\n  <h2>Commercial Insurance Coverage for Florida Businesses<\/h2>\n  <p class=\"lead\">Florida businesses face liability, property, weather, employment, vehicle, cyber, and contract exposures that differ by industry. A contractor, home health agency, retailer, manufacturer, surveyor, professional office, and online business should not receive the same insurance program.<\/p>\n  <p class=\"lead\">The goal is not simply to collect policies. The goal is to coordinate coverage so the business can satisfy contracts, protect its assets, support employees, respond to claims, and avoid preventable gaps.<\/p>\n\n  <div class=\"callout\">\n    <strong>Featured-snippet answer:<\/strong> The commercial insurance a Florida business needs depends on its industry, employees, vehicles, property, contracts, professional services, products, equipment, and customer exposures. Common policies include general liability, workers compensation, commercial property, commercial auto, cyber liability, professional liability, and a business owner&#8217;s policy.\n  <\/div>\n<\/section>\n\n<section class=\"soft-yellow\" id=\"coverage-selector\">\n  <h2 class=\"center\">Commercial Insurance Coverage Selector<\/h2>\n  <p class=\"lead center\">Choose the exposure that most closely matches what your business needs to protect.<\/p>\n\n  <nav class=\"selector-nav\" aria-label=\"Commercial insurance coverage selector\">\n    <a href=\"#general-liability\">Liability<\/a>\n    <a href=\"#commercial-property\">Property<\/a>\n    <a href=\"#workers-compensation\">Employees<\/a>\n    <a href=\"#commercial-auto\">Vehicles<\/a>\n    <a href=\"#cyber-insurance\">Cyber<\/a>\n    <a href=\"#professional-liability\">Professional Services<\/a>\n    <a href=\"#product-liability\">Products<\/a>\n    <a href=\"#inland-marine\">Tools &#038; Equipment<\/a>\n    <a href=\"#epli\">Employment Practices<\/a>\n    <a href=\"#umbrella\">Higher Liability Limits<\/a>\n  <\/nav>\n\n  <div class=\"grid\">\n    <article class=\"card yellow\" id=\"general-liability\">\n      <h3>General Liability Insurance<\/h3>\n      <p>General liability may cover qualifying third-party bodily injury, property damage, personal injury, advertising injury, legal defense, and completed-operations claims.<\/p>\n      <p>Florida contractors, service businesses, retailers, landlords, vendors, and professional offices are often asked to carry general liability before signing a lease or contract.<\/p>\n    <\/article>\n\n&#8220;`\n<article class=\"card yellow\" id=\"commercial-property\">\n  <h3>Commercial Property Insurance<\/h3>\n  <p>Commercial property insurance can protect eligible buildings, tenant improvements, furniture, inventory, equipment, signs, and business personal property against covered losses.<\/p>\n  <p>Florida businesses should review wind, hurricane deductibles, flood exposure, ordinance or law coverage, roof settlement, business income, and property valuation.<\/p>\n<\/article>\n\n<article class=\"card yellow\" id=\"workers-compensation\">\n  <h3>Workers Compensation Insurance<\/h3>\n  <p>Workers compensation can provide statutory medical, wage-replacement, disability, and death benefits for qualifying work-related injuries and occupational illnesses.<\/p>\n  <p><a href=\"https:\/\/suninsuranceservices.com\/florida-workers-compensation-insurance-for-businesses\/?utm_source=commercial_hub&amp;utm_medium=internal_link&amp;utm_campaign=commercial_cluster\">Review Florida Workers Compensation Insurance<\/a><\/p>\n<\/article>\n\n<article class=\"card yellow\" id=\"commercial-auto\">\n  <h3>Commercial Auto Insurance<\/h3>\n  <p>Commercial auto insurance can cover business-owned vehicles, liability, physical damage, uninsured motorist exposure, medical payments, hired autos, and non-owned autos depending on the policy.<\/p>\n  <p><a href=\"https:\/\/suninsuranceservices.com\/business-auto-policy-drivers\/?utm_source=commercial_hub&amp;utm_medium=internal_link&amp;utm_campaign=commercial_cluster\">Business Auto Policy Driver Guide<\/a><\/p>\n<\/article>\n\n<article class=\"card lavender\" id=\"cyber-insurance\">\n  <h3>Cyber Liability Insurance<\/h3>\n  <p>Cyber insurance may cover breach response, forensic investigation, notification, data restoration, cyber extortion, business interruption, privacy liability, and network-security claims.<\/p>\n  <p><a href=\"https:\/\/suninsuranceservices.com\/cyber-insurance-for-small-businesses-sun-insurance-services\/?utm_source=commercial_hub&amp;utm_medium=internal_link&amp;utm_campaign=commercial_cluster\">Cyber Insurance for Florida Small Businesses<\/a><\/p>\n<\/article>\n\n<article class=\"card lavender\" id=\"professional-liability\">\n  <h3>Professional Liability Insurance<\/h3>\n  <p>Professional liability, also called errors and omissions insurance, may respond when a client alleges that advice, design, professional services, or failure to perform caused financial loss.<\/p>\n  <p>This coverage is especially relevant for consultants, surveyors, technology firms, design professionals, agencies, and other service providers.<\/p>\n<\/article>\n\n<article class=\"card lavender\" id=\"product-liability\">\n  <h3>Product Liability Insurance<\/h3>\n  <p>Product liability may protect a manufacturer, distributor, wholesaler, retailer, or importer when a product allegedly causes injury or property damage.<\/p>\n  <p><a href=\"https:\/\/suninsuranceservices.com\/product-liability-insurance\/?utm_source=commercial_hub&amp;utm_medium=internal_link&amp;utm_campaign=commercial_cluster\">Florida Product Liability Insurance<\/a><\/p>\n<\/article>\n\n<article class=\"card lavender\" id=\"inland-marine\">\n  <h3>Inland Marine Insurance<\/h3>\n  <p>Inland marine can protect tools, mobile equipment, contractor property, installation materials, and property transported between jobs or temporarily stored away from the business location.<\/p>\n  <p>Contractors should confirm whether tools are covered in vehicles, at jobsites, overnight, and while in transit.<\/p>\n<\/article>\n\n<article class=\"card orange\" id=\"epli\">\n  <h3>Employment Practices Liability<\/h3>\n  <p>EPLI may cover qualifying claims involving discrimination, harassment, retaliation, wrongful termination, and other employment-related allegations.<\/p>\n  <p>General liability and workers compensation generally do not replace employment practices liability coverage.<\/p>\n<\/article>\n\n<article class=\"card orange\" id=\"umbrella\">\n  <h3>Commercial Umbrella Insurance<\/h3>\n  <p>A commercial umbrella or excess liability policy can provide additional limits above qualifying general liability, commercial auto, and employer&#8217;s liability policies.<\/p>\n  <p>Higher limits may be required by customers, landlords, general contractors, lenders, or government contracts.<\/p>\n<\/article>\n\n<article class=\"card orange\">\n  <h3>Business Owner&#8217;s Policy<\/h3>\n  <p>A business owner&#8217;s policy, or BOP, commonly combines general liability and commercial property coverage for eligible small and midsize businesses.<\/p>\n  <p>Business income, equipment breakdown, cyber, hired and non-owned auto, and other endorsements may be available depending on the carrier.<\/p>\n<\/article>\n\n<article class=\"card orange\">\n  <h3>Builders Risk Insurance<\/h3>\n  <p>Builders risk can protect eligible buildings and construction materials during new construction, renovation, or installation projects.<\/p>\n  <p>The owner, contractor, lender, lease, and construction contract should be reviewed to determine who must arrange coverage.<\/p>\n<\/article>\n&#8220;`\n\n  <\/div>\n<\/section>\n\n<section id=\"industry-selector\">\n  <h2 class=\"center\">Florida Business Insurance by Industry<\/h2>\n  <p class=\"lead center\">Select an industry to review the insurance exposures and supporting guides most relevant to that type of business.<\/p>\n\n  <nav class=\"selector-nav\" aria-label=\"Florida business insurance industry selector\">\n    <a href=\"#construction\">Construction<\/a>\n    <a href=\"#roofing\">Roofing<\/a>\n    <a href=\"#hvac\">HVAC<\/a>\n    <a href=\"#electrical\">Electrical<\/a>\n    <a href=\"#plumbing\">Plumbing<\/a>\n    <a href=\"#home-health\">Home Health<\/a>\n    <a href=\"#professional-services\">Professional Services<\/a>\n    <a href=\"#dealers-landscapers-surveyors\">Dealers, Landscapers &#038; Surveyors<\/a>\n  <\/nav>\n\n  <div class=\"grid\">\n    <article class=\"card yellow\" id=\"construction\">\n      <h3>Construction &#038; Contracting Businesses<\/h3>\n      <p>Construction firms may need general liability, workers compensation, commercial auto, inland marine, builders risk, installation floater, umbrella, pollution, professional liability, and bonds.<\/p>\n      <p><a href=\"https:\/\/suninsuranceservices.com\/commercial-insurance-for-construction-and-contracting-businesses-a-complete-guide\/?utm_source=commercial_hub&amp;utm_medium=internal_link&amp;utm_campaign=commercial_cluster\">Commercial Insurance for Construction and Contracting Businesses<\/a><\/p>\n    <\/article>\n\n&#8220;`\n<article class=\"card yellow\" id=\"roofing\">\n  <h3>Roofing Contractors<\/h3>\n  <p>Roofers face fall, property damage, completed-operations, employee injury, vehicle, equipment, subcontractor, and contract exposures.<\/p>\n  <p><a href=\"https:\/\/suninsuranceservices.com\/florida-roofing-contractor-insurance\/?utm_source=commercial_hub&amp;utm_medium=internal_link&amp;utm_campaign=commercial_cluster\">Florida Roofing Contractor Insurance<\/a><\/p>\n  <p><a href=\"https:\/\/suninsuranceservices.com\/workers-compensation-insurance-for-roofers-and-small-trade-contractors-in-florida-what-you-need-to-know\/?utm_source=commercial_hub&amp;utm_medium=internal_link&amp;utm_campaign=commercial_cluster\">Workers Compensation for Roofers<\/a><\/p>\n<\/article>\n\n<article class=\"card yellow\" id=\"hvac\">\n  <h3>HVAC Contractors<\/h3>\n  <p>HVAC businesses should review installation damage, electrical work, refrigerants, completed operations, commercial vehicles, employee injuries, tools, and equipment.<\/p>\n  <p><a href=\"https:\/\/suninsuranceservices.com\/hvac-insurance-in-florida-protect-your-business-today\/?utm_source=commercial_hub&amp;utm_medium=internal_link&amp;utm_campaign=commercial_cluster\">HVAC Insurance in Florida<\/a><\/p>\n  <p><a href=\"https:\/\/suninsuranceservices.com\/workers-compensation-insurance-for-hvac-contractors-in-florida\/?utm_source=commercial_hub&amp;utm_medium=internal_link&amp;utm_campaign=commercial_cluster\">Workers Compensation for HVAC Contractors<\/a><\/p>\n<\/article>\n\n<article class=\"card yellow\" id=\"electrical\">\n  <h3>Electrical Contractors<\/h3>\n  <p>Electrical contractors may need general liability, workers compensation, commercial auto, tools and equipment, umbrella, and professional liability for design or consulting services.<\/p>\n  <p><a href=\"https:\/\/suninsuranceservices.com\/electrical-contractor-insurance-florida-orlando\/?utm_source=commercial_hub&amp;utm_medium=internal_link&amp;utm_campaign=commercial_cluster\">Electrical Contractor Insurance in Florida<\/a><\/p>\n  <p><a href=\"https:\/\/suninsuranceservices.com\/workers-compensation-insurance-electricians-florida\/?utm_source=commercial_hub&amp;utm_medium=internal_link&amp;utm_campaign=commercial_cluster\">Workers Compensation for Electricians<\/a><\/p>\n<\/article>\n\n<article class=\"card lavender\" id=\"plumbing\">\n  <h3>Plumbing Contractors<\/h3>\n  <p>Plumbers face water damage, completed-operations, excavation, employee injury, tools, vehicle, and subcontractor exposures.<\/p>\n  <p><a href=\"https:\/\/suninsuranceservices.com\/plumbing-insurance-for-florida-contractors-full-guide\/?utm_source=commercial_hub&amp;utm_medium=internal_link&amp;utm_campaign=commercial_cluster\">Plumbing Insurance for Florida Contractors<\/a><\/p>\n<\/article>\n\n<article class=\"card lavender\" id=\"home-health\">\n  <h3>Home Health Agencies<\/h3>\n  <p>Home health agencies may need professional liability, general liability, workers compensation, hired and non-owned auto, cyber liability, abuse and molestation coverage, and employment practices liability.<\/p>\n  <p><a href=\"https:\/\/suninsuranceservices.com\/florida-home-health-agency-insurance-what-you-need-to-know-sun-insurance-services\/?utm_source=commercial_hub&amp;utm_medium=internal_link&amp;utm_campaign=commercial_cluster\">Florida Home Health Agency Insurance<\/a><\/p>\n<\/article>\n\n<article class=\"card lavender\" id=\"professional-services\">\n  <h3>Professional Service Businesses<\/h3>\n  <p>Consultants, technology firms, surveyors, agencies, accountants, designers, and other professional service businesses should review errors and omissions, cyber, general liability, property, workers compensation, and EPLI.<\/p>\n<\/article>\n\n<article class=\"card lavender\" id=\"dealers-landscapers-surveyors\">\n  <h3>Dealers, Landscapers &#038; Surveyors<\/h3>\n  <p>Vehicle dealers, landscapers, surveyors, and other specialty businesses often need policies tailored to equipment, customer property, professional services, vehicles, jobsite work, and contract requirements.<\/p>\n  <p><a href=\"https:\/\/suninsuranceservices.com\/commercial-insurance-florida-dealers-landscapers-surveyors-sun-insurance-services\/?utm_source=commercial_hub&amp;utm_medium=internal_link&amp;utm_campaign=commercial_cluster\">Commercial Insurance for Dealers, Landscapers and Surveyors<\/a><\/p>\n<\/article>\n&#8220;`\n\n  <\/div>\n<\/section>\n\n<section class=\"soft-lavender\" id=\"workers-compensation-requirements\">\n  <h2>What Commercial Insurance Is Required in Florida?<\/h2>\n  <p>Florida does not require every business to purchase every commercial policy. Requirements depend on employees, vehicles, contracts, leases, licenses, financing, industry, ownership, and the services performed.<\/p>\n\n  <div class=\"table-wrap\" role=\"region\" aria-label=\"Florida commercial insurance requirements table\" tabindex=\"0\">\n    <table>\n      <thead>\n        <tr>\n          <th scope=\"col\">Coverage<\/th>\n          <th scope=\"col\">When It May Be Required<\/th>\n          <th scope=\"col\">Important Review Point<\/th>\n        <\/tr>\n      <\/thead>\n      <tbody>\n        <tr>\n          <td>Workers Compensation<\/td>\n          <td>Employee count, industry, construction activity, ownership, and exemption status can create statutory requirements.<\/td>\n          <td>Payroll and employee classifications must be accurate.<\/td>\n        <\/tr>\n        <tr>\n          <td>Commercial Auto<\/td>\n          <td>Business-owned vehicles generally require a commercial auto policy. Contracts or regulators may require specific liability limits.<\/td>\n          <td>Disclose all drivers, vehicle use, radius, and transported property.<\/td>\n        <\/tr>\n        <tr>\n          <td>General Liability<\/td>\n          <td>Frequently required by customers, landlords, vendors, project owners, and general contractors.<\/td>\n          <td>Check completed operations, exclusions, additional insured requirements, and limits.<\/td>\n        <\/tr>\n        <tr>\n          <td>Commercial Property<\/td>\n          <td>May be required by a lender, landlord, equipment financer, or franchise agreement.<\/td>\n          <td>Review wind, flood, valuation, business income, and ordinance or law coverage.<\/td>\n        <\/tr>\n        <tr>\n          <td>Professional Liability<\/td>\n          <td>May be required by a client, license, professional contract, or industry standard.<\/td>\n          <td>Confirm the policy covers the actual professional services performed.<\/td>\n        <\/tr>\n        <tr>\n          <td>Cyber Liability<\/td>\n          <td>Often required by clients, vendors, payment processors, healthcare partners, and data-security agreements.<\/td>\n          <td>Review breach response, ransomware, business interruption, and retroactive dates.<\/td>\n        <\/tr>\n      <\/tbody>\n    <\/table>\n  <\/div>\n<\/section>\n\n<section id=\"business-owners-policy\">\n  <h2>What Is Included in a Business Owner&#8217;s Policy?<\/h2>\n  <p>A business owner&#8217;s policy commonly combines general liability and commercial property coverage for eligible businesses. A BOP may also include business income, extra expense, equipment breakdown, and certain crime or data-related endorsements.<\/p>\n\n  <div class=\"grid\">\n    <article class=\"card yellow\">\n      <h3>General Liability<\/h3>\n      <p>May cover qualifying third-party bodily injury, property damage, personal injury, advertising injury, and legal defense.<\/p>\n    <\/article>\n\n&#8220;`\n<article class=\"card yellow\">\n  <h3>Business Property<\/h3>\n  <p>May cover eligible furniture, inventory, equipment, tenant improvements, and other business personal property.<\/p>\n<\/article>\n\n<article class=\"card lavender\">\n  <h3>Business Income<\/h3>\n  <p>May help replace lost income and pay continuing expenses after a covered property loss interrupts operations.<\/p>\n<\/article>\n\n<article class=\"card lavender\">\n  <h3>Optional Endorsements<\/h3>\n  <p>Options can include cyber, hired and non-owned auto, water backup, equipment breakdown, employee dishonesty, and increased limits.<\/p>\n<\/article>\n&#8220;`\n\n  <\/div>\n\n  <div class=\"callout\">\n    A BOP is not appropriate for every business. Higher-risk operations, larger businesses, contractors, manufacturers, vehicle-intensive businesses, and specialized professional firms may need separate policies or a commercial package.\n  <\/div>\n<\/section>\n\n<section class=\"soft-yellow\" id=\"certificates-of-insurance\">\n  <h2>Certificates of Insurance, Additional Insureds and Contracts<\/h2>\n  <p>A certificate of insurance is evidence that insurance existed when the certificate was issued. It does not change the policy, create coverage, override exclusions, or guarantee that the policy will remain active.<\/p>\n\n  <div class=\"grid\">\n    <article class=\"card yellow\">\n      <h3>Certificate Holder<\/h3>\n      <p>The certificate holder receives evidence of insurance but does not automatically receive rights under the policy.<\/p>\n    <\/article>\n\n&#8220;`\n<article class=\"card yellow\">\n  <h3>Additional Insured<\/h3>\n  <p>An additional insured may receive certain liability protection through an endorsement, depending on the policy, contract, and endorsement language.<\/p>\n<\/article>\n\n<article class=\"card lavender\">\n  <h3>Waiver of Subrogation<\/h3>\n  <p>A waiver of subrogation can limit an insurer&#8217;s ability to recover from a party after paying a covered claim. It must be permitted by the policy.<\/p>\n<\/article>\n\n<article class=\"card lavender\">\n  <h3>Primary and Noncontributory<\/h3>\n  <p>This wording may affect how an endorsed policy responds relative to another party&#8217;s insurance. The policy and endorsement control.<\/p>\n<\/article>\n&#8220;`\n\n  <\/div>\n\n  <p>Send contract insurance requirements before signing whenever possible. Requirements that conflict with the policy may require endorsements, higher limits, different coverage, or a different carrier.<\/p>\n<\/section>\n\n<section id=\"commercial-insurance-cost\">\n  <h2>What Affects the Cost of Commercial Insurance in Florida?<\/h2>\n  <div class=\"grid\">\n    <article class=\"card\">\n      <h3>Industry and Operations<\/h3>\n      <p>Roofing, construction, healthcare, retail, consulting, manufacturing, and office businesses create different claim exposures.<\/p>\n    <\/article>\n\n&#8220;`\n<article class=\"card\">\n  <h3>Payroll and Sales<\/h3>\n  <p>Workers compensation commonly uses payroll, while general liability may use payroll, sales, area, units, or subcontractor costs.<\/p>\n<\/article>\n\n<article class=\"card\">\n  <h3>Location and Property<\/h3>\n  <p>Construction, roof, protection class, wind exposure, flood characteristics, security, and replacement cost affect property pricing.<\/p>\n<\/article>\n\n<article class=\"card\">\n  <h3>Vehicles and Drivers<\/h3>\n  <p>Vehicle type, radius, garaging, driver records, annual mileage, use, and transported property affect commercial auto pricing.<\/p>\n<\/article>\n\n<article class=\"card\">\n  <h3>Claims History<\/h3>\n  <p>Frequency, severity, open claims, corrective action, and loss-control practices can affect eligibility and premium.<\/p>\n<\/article>\n\n<article class=\"card\">\n  <h3>Coverage Choices<\/h3>\n  <p>Limits, deductibles, endorsements, exclusions, retroactive dates, business-income limits, and umbrella coverage affect price.<\/p>\n<\/article>\n&#8220;`\n\n  <\/div>\n<\/section>\n\n<section class=\"soft-lavender\" id=\"quote-preparation\">\n  <h2>What Information Is Needed for a Florida Business Insurance Quote?<\/h2>\n  <p>Accurate information helps produce a more reliable quote and reduces the chance of underwriting delays or audit surprises.<\/p>\n\n  <div class=\"grid\">\n    <article class=\"card yellow\">\n      <h3>Business Information<\/h3>\n      <ul>\n        <li>Legal name and DBA.<\/li>\n        <li>Business address and service area.<\/li>\n        <li>Years in business and owner experience.<\/li>\n        <li>Detailed description of operations.<\/li>\n        <li>Annual revenue and projected revenue.<\/li>\n        <li>Website and marketing materials.<\/li>\n      <\/ul>\n    <\/article>\n\n&#8220;`\n<article class=\"card yellow\">\n  <h3>Employees and Subcontractors<\/h3>\n  <ul>\n    <li>Employee count and payroll.<\/li>\n    <li>Job duties and class codes.<\/li>\n    <li>Subcontractor costs.<\/li>\n    <li>Certificates from subcontractors.<\/li>\n    <li>Owner inclusion or exemption status.<\/li>\n  <\/ul>\n<\/article>\n\n<article class=\"card lavender\">\n  <h3>Property and Equipment<\/h3>\n  <ul>\n    <li>Building or tenant information.<\/li>\n    <li>Business personal property values.<\/li>\n    <li>Inventory and equipment values.<\/li>\n    <li>Tools used away from the premises.<\/li>\n    <li>Security, alarms, sprinklers, and protection systems.<\/li>\n  <\/ul>\n<\/article>\n\n<article class=\"card lavender\">\n  <h3>Vehicles and Drivers<\/h3>\n  <ul>\n    <li>Vehicle identification numbers.<\/li>\n    <li>Driver names and license information.<\/li>\n    <li>Vehicle use and radius.<\/li>\n    <li>Hired and non-owned auto exposure.<\/li>\n    <li>Trailers and permanently attached equipment.<\/li>\n  <\/ul>\n<\/article>\n\n<article class=\"card orange\">\n  <h3>Insurance History<\/h3>\n  <ul>\n    <li>Current policies and declarations.<\/li>\n    <li>Loss runs.<\/li>\n    <li>Prior carrier and renewal premium.<\/li>\n    <li>Coverage lapses.<\/li>\n    <li>Current contract requirements.<\/li>\n  <\/ul>\n<\/article>\n\n<article class=\"card orange\">\n  <h3>Special Exposures<\/h3>\n  <ul>\n    <li>Professional services.<\/li>\n    <li>Customer data and payment information.<\/li>\n    <li>Products manufactured or sold.<\/li>\n    <li>Work at heights or below grade.<\/li>\n    <li>Pollution or environmental exposure.<\/li>\n    <li>International work or sales.<\/li>\n  <\/ul>\n<\/article>\n&#8220;`\n\n  <\/div>\n<\/section>\n\n<section id=\"commercial-claims\">\n  <h2>How Commercial Insurance Claims Commonly Happen<\/h2>\n\n  <div class=\"table-wrap\" role=\"region\" aria-label=\"Commercial insurance claim examples\" tabindex=\"0\">\n    <table>\n      <thead>\n        <tr>\n          <th scope=\"col\">Claim Example<\/th>\n          <th scope=\"col\">Coverage That May Respond<\/th>\n          <th scope=\"col\">Important Issue<\/th>\n        <\/tr>\n      <\/thead>\n      <tbody>\n        <tr>\n          <td>A customer slips at the business.<\/td>\n          <td>General liability.<\/td>\n          <td>Maintenance, notice, documentation, and liability investigation.<\/td>\n        <\/tr>\n        <tr>\n          <td>A contractor damages a customer&#8217;s property.<\/td>\n          <td>General liability or completed operations.<\/td>\n          <td>Exclusions for the contractor&#8217;s own work and faulty workmanship.<\/td>\n        <\/tr>\n        <tr>\n          <td>A storm damages the business location.<\/td>\n          <td>Commercial property and business income.<\/td>\n          <td>Wind coverage, deductible, valuation, and interruption period.<\/td>\n        <\/tr>\n        <tr>\n          <td>An employee is injured while working.<\/td>\n          <td>Workers compensation.<\/td>\n          <td>Employment status, class code, timely reporting, and compensability.<\/td>\n        <\/tr>\n        <tr>\n          <td>A business vehicle causes an accident.<\/td>\n          <td>Commercial auto.<\/td>\n          <td>Driver eligibility, vehicle use, liability limits, and umbrella coverage.<\/td>\n        <\/tr>\n        <tr>\n          <td>A client alleges professional advice caused financial loss.<\/td>\n          <td>Professional liability.<\/td>\n          <td>Retroactive date, services described, exclusions, and timely notice.<\/td>\n        <\/tr>\n        <tr>\n          <td>A ransomware event disrupts operations.<\/td>\n          <td>Cyber insurance.<\/td>\n          <td>Security controls, reporting requirements, and approved response vendors.<\/td>\n        <\/tr>\n      <\/tbody>\n    <\/table>\n  <\/div>\n<\/section>\n\n<section class=\"soft-yellow\" id=\"commercial-resource-hub\">\n  <h2 class=\"center\">Florida Commercial Insurance Resource Hub<\/h2>\n  <p class=\"lead center\">These existing Sun Insurance Services guides form the supporting commercial insurance topic cluster.<\/p>\n\n  <div class=\"grid\">\n    <article class=\"card yellow\">\n      <h3>Workers Compensation<\/h3>\n      <p><a href=\"https:\/\/suninsuranceservices.com\/florida-workers-compensation-insurance-for-businesses\/?utm_source=commercial_hub&amp;utm_medium=cluster_link&amp;utm_campaign=commercial_cluster\">Florida Workers Compensation Insurance for Businesses<\/a><\/p>\n      <p><a href=\"https:\/\/suninsuranceservices.com\/understanding-workers-compensation-costs-in-florida-a-business-guide\/?utm_source=commercial_hub&amp;utm_medium=cluster_link&amp;utm_campaign=commercial_cluster\">Understanding Workers Compensation Costs<\/a><\/p>\n      <p><a href=\"https:\/\/suninsuranceservices.com\/how-ncci-rate-recommendations-affect-florida-business-insurance-costs-2026-update\/?utm_source=commercial_hub&amp;utm_medium=cluster_link&amp;utm_campaign=commercial_cluster\">How NCCI Recommendations Affect Florida Business Costs<\/a><\/p>\n      <p><a href=\"https:\/\/suninsuranceservices.com\/workers-comp-orlando-sun-insurance-services\/?utm_source=commercial_hub&amp;utm_medium=cluster_link&amp;utm_campaign=commercial_cluster\">Workers Compensation in Orlando<\/a><\/p>\n    <\/article>\n\n&#8220;`\n<article class=\"card yellow\">\n  <h3>Construction and Trades<\/h3>\n  <p><a href=\"https:\/\/suninsuranceservices.com\/commercial-insurance-for-construction-and-contracting-businesses-a-complete-guide\/?utm_source=commercial_hub&amp;utm_medium=cluster_link&amp;utm_campaign=commercial_cluster\">Construction and Contracting Insurance<\/a><\/p>\n  <p><a href=\"https:\/\/suninsuranceservices.com\/florida-roofing-contractor-insurance\/?utm_source=commercial_hub&amp;utm_medium=cluster_link&amp;utm_campaign=commercial_cluster\">Roofing Contractor Insurance<\/a><\/p>\n  <p><a href=\"https:\/\/suninsuranceservices.com\/plumbing-insurance-for-florida-contractors-full-guide\/?utm_source=commercial_hub&amp;utm_medium=cluster_link&amp;utm_campaign=commercial_cluster\">Plumbing Contractor Insurance<\/a><\/p>\n  <p><a href=\"https:\/\/suninsuranceservices.com\/electrical-contractor-insurance-florida-orlando\/?utm_source=commercial_hub&amp;utm_medium=cluster_link&amp;utm_campaign=commercial_cluster\">Electrical Contractor Insurance<\/a><\/p>\n<\/article>\n\n<article class=\"card lavender\">\n  <h3>HVAC<\/h3>\n  <p><a href=\"https:\/\/suninsuranceservices.com\/hvac-insurance-in-florida-protect-your-business-today\/?utm_source=commercial_hub&amp;utm_medium=cluster_link&amp;utm_campaign=commercial_cluster\">HVAC Insurance in Florida<\/a><\/p>\n  <p><a href=\"https:\/\/suninsuranceservices.com\/workers-compensation-insurance-for-hvac-contractors-in-florida\/?utm_source=commercial_hub&amp;utm_medium=cluster_link&amp;utm_campaign=commercial_cluster\">Workers Compensation for HVAC Contractors<\/a><\/p>\n  <p><a href=\"https:\/\/suninsuranceservices.com\/hvac-workers-comp-florida-sun-insurance-services\/?utm_source=commercial_hub&amp;utm_medium=cluster_link&amp;utm_campaign=commercial_cluster\">HVAC Workers Compensation Guide<\/a><\/p>\n  <p><a href=\"https:\/\/suninsuranceservices.com\/workers-comp-hvac-florida\/?utm_source=commercial_hub&amp;utm_medium=cluster_link&amp;utm_campaign=commercial_cluster\">Florida HVAC Workers Compensation<\/a><\/p>\n<\/article>\n\n<article class=\"card lavender\">\n  <h3>Specialty Businesses<\/h3>\n  <p><a href=\"https:\/\/suninsuranceservices.com\/florida-home-health-agency-insurance-what-you-need-to-know-sun-insurance-services\/?utm_source=commercial_hub&amp;utm_medium=cluster_link&amp;utm_campaign=commercial_cluster\">Home Health Agency Insurance<\/a><\/p>\n  <p><a href=\"https:\/\/suninsuranceservices.com\/cyber-insurance-for-small-businesses-sun-insurance-services\/?utm_source=commercial_hub&amp;utm_medium=cluster_link&amp;utm_campaign=commercial_cluster\">Cyber Insurance for Small Businesses<\/a><\/p>\n  <p><a href=\"https:\/\/suninsuranceservices.com\/product-liability-insurance\/?utm_source=commercial_hub&amp;utm_medium=cluster_link&amp;utm_campaign=commercial_cluster\">Product Liability Insurance<\/a><\/p>\n  <p><a href=\"https:\/\/suninsuranceservices.com\/commercial-insurance-florida-dealers-landscapers-surveyors-sun-insurance-services\/?utm_source=commercial_hub&amp;utm_medium=cluster_link&amp;utm_campaign=commercial_cluster\">Dealers, Landscapers and Surveyors<\/a><\/p>\n<\/article>\n\n<article class=\"card orange\">\n  <h3>Commercial Auto<\/h3>\n  <p><a href=\"https:\/\/suninsuranceservices.com\/business-auto-policy-drivers\/?utm_source=commercial_hub&amp;utm_medium=cluster_link&amp;utm_campaign=commercial_cluster\">Business Auto Policy Drivers<\/a><\/p>\n  <p><a href=\"https:\/\/suninsuranceservices.com\/physical-damage-vs-collision-coverage-sun-insurance-services\/?utm_source=commercial_hub&amp;utm_medium=cluster_link&amp;utm_campaign=commercial_cluster\">Physical Damage vs. Collision Coverage<\/a><\/p>\n<\/article>\n\n<article class=\"card orange\">\n  <h3>Electrical and Trade Workers Compensation<\/h3>\n  <p><a href=\"https:\/\/suninsuranceservices.com\/workers-compensation-insurance-electricians-florida\/?utm_source=commercial_hub&amp;utm_medium=cluster_link&amp;utm_campaign=commercial_cluster\">Workers Compensation for Electricians<\/a><\/p>\n  <p><a href=\"https:\/\/suninsuranceservices.com\/workers-compensation-insurance-for-roofers-and-small-trade-contractors-in-florida-what-you-need-to-know\/?utm_source=commercial_hub&amp;utm_medium=cluster_link&amp;utm_campaign=commercial_cluster\">Workers Compensation for Roofers and Trade Contractors<\/a><\/p>\n<\/article>\n&#8220;`\n\n  <\/div>\n<\/section>\n\n<section class=\"agent\" id=\"commercial-agent\">\n  <div>\n    <h2>Work With a Florida Commercial Insurance Agent<\/h2>\n    <p>Scott Mauldin helps Florida business owners review commercial insurance, contracts, certificates, liability limits, vehicles, employees, property, tools, cyber exposure, and industry-specific requirements.<\/p>\n    <p>Provide your current policies, loss runs, payroll, revenue, vehicle list, contract requirements, and renewal date. Scott can review available options and explain material differences before you select coverage.<\/p>\n  <\/div>\n\n  <aside class=\"agent-contact\">\n    <h3>Scott Mauldin<\/h3>\n    <p><strong>Commercial Insurance Agent<\/strong><\/p>\n    <p>\n      <a href=\"tel:+14077811609\">Call 407-781-1609<\/a><br>\n      <a href=\"sms:+14077811609\">Text Scott<\/a><br>\n      <a href=\"https:\/\/suninsuranceservices.com\/scott-mauldin\/?utm_source=commercial_hub&amp;utm_medium=agent_link&amp;utm_campaign=commercial_cluster\">Scott Mauldin&#8217;s Agent Page<\/a><br>\n      <a href=\"https:\/\/www.linkedin.com\/in\/scott-mauldin-30361b3b\/\" target=\"_blank\" rel=\"noopener\">LinkedIn<\/a>\n    <\/p>\n  <\/aside>\n<\/section>\n\n<section class=\"soft-lavender\" id=\"commercial-faq\">\n  <h2>Florida Commercial Insurance FAQ<\/h2>\n\n  <details>\n    <summary>What commercial insurance does a Florida business need?<\/summary>\n    <p>The answer depends on the business&#8217;s industry, employees, vehicles, property, professional services, products, equipment, customer contracts, and liability exposure. Common policies include general liability, commercial property, workers compensation, commercial auto, cyber liability, professional liability, and umbrella insurance.<\/p>\n  <\/details>\n\n  <details>\n    <summary>Is commercial insurance required in Florida?<\/summary>\n    <p>Florida does not require every business to carry every type of commercial insurance. Workers compensation, commercial auto, professional licensing rules, contracts, leases, lenders, and industry regulations can create specific requirements.<\/p>\n  <\/details>\n\n  <details>\n    <summary>Does an LLC need business insurance?<\/summary>\n    <p>An LLC structure does not replace insurance. The business can still face property damage, employee injury, customer injury, vehicle accidents, professional allegations, cyber incidents, and contractual liability.<\/p>\n  <\/details>\n\n  <details>\n    <summary>What is the difference between general liability and professional liability?<\/summary>\n    <p>General liability commonly addresses qualifying third-party bodily injury, property damage, and personal or advertising injury. Professional liability commonly addresses allegations that professional advice or services caused a client financial loss.<\/p>\n  <\/details>\n\n  <details>\n    <summary>What is a business owner&#8217;s policy?<\/summary>\n    <p>A business owner&#8217;s policy commonly combines general liability and commercial property coverage for eligible small and midsize businesses. Optional coverage may include business income, equipment breakdown, cyber, hired and non-owned auto, and crime coverage.<\/p>\n  <\/details>\n\n  <details>\n    <summary>When does a Florida business need workers compensation?<\/summary>\n    <p>Requirements depend on the industry, employee count, ownership, and valid exemptions. Construction businesses generally face stricter thresholds than non-construction businesses. Each business should confirm current requirements for its operation.<\/p>\n  <\/details>\n\n  <details>\n    <summary>Does personal auto insurance cover business driving?<\/summary>\n    <p>Personal auto policies may restrict or exclude certain business use. Business-owned vehicles generally require commercial auto insurance. Hired and non-owned auto coverage may also be needed when employees use personal or rented vehicles for business.<\/p>\n  <\/details>\n\n  <details>\n    <summary>What is an additional insured?<\/summary>\n    <p>An additional insured is a person or organization that receives certain liability protection through an endorsement. The scope of coverage depends on the policy, endorsement, contract, and relationship to the named insured.<\/p>\n  <\/details>\n\n  <details>\n    <summary>What is a certificate of insurance?<\/summary>\n    <p>A certificate of insurance provides evidence of insurance at the time it is issued. It does not create coverage, change the policy, override exclusions, or guarantee that coverage will remain active.<\/p>\n  <\/details>\n\n  <details>\n    <summary>How quickly can I get a certificate of insurance?<\/summary>\n    <p>Certificates can often be issued quickly when the policy is active and the request matches existing coverage. Requests requiring additional insured status, waivers, special wording, higher limits, or unavailable coverage may require underwriting review or an endorsement.<\/p>\n  <\/details>\n\n  <details>\n    <summary>What information is needed for a commercial insurance quote?<\/summary>\n    <p>Useful information includes legal business name, operations, addresses, revenue, payroll, employee duties, vehicle and driver information, property values, equipment, subcontractor costs, prior insurance, loss runs, contracts, and requested coverage limits.<\/p>\n  <\/details>\n\n  <details>\n    <summary>Why do commercial insurance audits happen?<\/summary>\n    <p>Workers compensation and some general liability policies use estimated payroll, sales, or subcontractor costs. An audit compares estimates with actual exposure and may produce an additional premium or return premium.<\/p>\n  <\/details>\n\n  <details>\n    <summary>Does commercial property insurance cover flood?<\/summary>\n    <p>Standard commercial property insurance generally does not cover flood caused by rising water. Businesses should evaluate separate flood insurance based on location, property values, lender requirements, equipment, inventory, and business interruption exposure.<\/p>\n  <\/details>\n\n  <details>\n    <summary>Does a home-based business need commercial insurance?<\/summary>\n    <p>Homeowners insurance may provide limited or no coverage for business property, inventory, professional liability, customer visits, cyber events, or business interruption. A home-based business should review commercial coverage rather than assuming the homeowners policy is sufficient.<\/p>\n  <\/details>\n\n  <details>\n    <summary>How can a Florida business lower commercial insurance costs?<\/summary>\n    <p>Maintain accurate classifications, implement safety procedures, review drivers, secure property, protect data, document subcontractor insurance, avoid coverage lapses, report claims promptly, and compare available carriers without reducing essential coverage.<\/p>\n  <\/details>\n<\/section>\n\n<section class=\"center\" id=\"commercial-reviews\">\n  <h2>Sun Insurance Services Customer Reviews<\/h2>\n  <p class=\"lead\">Review feedback from clients who have worked with Sun Insurance Services for Florida personal and commercial insurance.<\/p>\n  <link data-noptimize=\"1\" data-no-optimize=\"1\" data-no-minify=\"1\" data-no-defer=\"1\" rel=\"stylesheet\" href=\"https:\/\/cdn.trustindex.io\/assets\/widget-presetted-css\/v2\/14-ligth-border.css\" media=\"all\"><pre class=\"ti-widget\"><div style=\"opacity: 0; height: 0 !important; overflow: hidden !important\" class=\" ti-widget ti-no-profile-img \" data-layout-id=\"14\" data-layout-category=\"slider\" data-set-id=\"ligth-border\" data-pid=\"ffa796354707667abb9699ee0e2\" data-language=\"en\" data-close-locale=\"Close\" data-time-locale=\"%d %s ago|today|day|days|week|weeks|month|months|year|years\" data-review-target-width=\"300\" data-css-version=\"2\" data-review-text-mode=\"popup\" data-reply-by-locale=\"Owner's reply\" data-only-rating-locale=\"This user only left a rating.\" data-pager-autoplay-timeout=\"4\" data-slider-loop=\"1\" > <div class=\"ti-widget-container ti-col-3\"> <div class=\"ti-widget-header\"> <div class=\"ti-header-content source-Google ti-active\"> <div class=\"ti-header-logo\"> <img decoding=\"async\" class=\"ti-header-logo-img skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/logo.svg\" loading=\"lazy\" alt=\"Google\" width=\"150\" height=\"21\" \/> <\/div> <div class=\"ti-header-rating-text\"><span class=\"ti-rating-text\">Excellent<\/span><span class=\"ti-stars\"><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><\/span><span class=\"ti-header-rating\">4.8<\/span><span class=\"ti-header-rating-reviews\">152 reviews<\/span><\/div> <div class=\"ti-header-rating-text ti-mobile\"><span class=\"ti-header-rating\">4.8<\/span><span class=\"ti-stars\"><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><\/span><\/div> <div class=\"ti-header-rating-text ti-mobile\"><span class=\"ti-rating-text\">Excellent<\/span><span class=\"ti-header-rating-reviews\">152 reviews<\/span><\/div> <div class=\"ti-header-write-btn-container\"> <a href=\"https:\/\/admin.trustindex.io\/api\/googleWriteReview?place-id=ChIJ0a0cNKp_54gRARyuHt5rX3M\" class=\"ti-header-write-btn\" role=\"button\" aria-label=\"Write a review to Google\" target=\"_blank\" rel=\"noopener nofollow\" >Write a review<\/a> <\/div> <\/div> <div class=\"ti-widget-header-tick\"><\/div> <\/div> <div class=\"ti-reviews-container\"> <div class=\"ti-controls\"> <div class=\"ti-next\" aria-label=\"Next review\" role=\"button\" tabindex=\"0\"><\/div> <div class=\"ti-prev\" aria-label=\"Previous review\" role=\"button\" tabindex=\"0\"><\/div> <\/div> <div class=\"ti-reviews-container-wrapper\"> <div class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-platform-page-url=\"https:\/\/www.google.com\/maps\/search\/?api=1&amp;query=Google&amp;query_place_id=ChIJ0a0cNKp_54gRARyuHt5rX3M\" data-time=\"1789420132\" data-id=\"8b527ec8ee9500f0441a10aecb5e39a9\" data-language=\"en\" data-rating=\"5.0\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Elizabeth \u201cLibby\u201d Brooks <\/div> <div class=\"ti-date\">1 days ago<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform ti-color-green\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\">Donna has been our insurance agent for 20 years now. I trust her completely. She has not only found great, highly affordable policies for us, she helped guide us through the claims process and helped enormously when the insurance company was being extremely difficult to deal with. Donna is the best, hands down!<\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <div class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-platform-page-url=\"https:\/\/www.google.com\/maps\/search\/?api=1&amp;query=Google&amp;query_place_id=ChIJ0a0cNKp_54gRARyuHt5rX3M\" data-time=\"1788209185\" data-id=\"187f7a4042f3526213255690a5481a17\" data-language=\"en\" data-rating=\"5.0\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> James Miller <\/div> <div class=\"ti-date\">15 days ago<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform ti-color-green\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\">Excellent job. Thank you for all your assistance<\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <div class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-platform-page-url=\"https:\/\/www.google.com\/maps\/search\/?api=1&amp;query=Google&amp;query_place_id=ChIJ0a0cNKp_54gRARyuHt5rX3M\" data-time=\"1787339807\" data-id=\"72b3d8abbd166f80bd1ceda60e2c5b94\" data-language=\"en\" data-rating=\"5.0\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Patrick Lowe <\/div> <div class=\"ti-date\">25 days ago<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform ti-color-green\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\">Ive started my own gas and plumbing business recently in Jacksonville and everybody at this company has been amazing. They have answered all of my numerous questions, and get COIs back to me extremely fast. It\u2019s been an absolute pleasure to work with them. If you need an insurance company this is the team to work with.<\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <div class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-platform-page-url=\"https:\/\/www.google.com\/maps\/search\/?api=1&amp;query=Google&amp;query_place_id=ChIJ0a0cNKp_54gRARyuHt5rX3M\" data-time=\"1787079801\" data-id=\"403746e1b4a077990d916b9e3c34db98\" data-language=\"en\" data-rating=\"5.0\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Stella Siracuza <\/div> <div class=\"ti-date\">28 days ago<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform ti-color-green\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\">Excellent responsiveness, Basically \"they have your back\"  great agent<\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <div class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-platform-page-url=\"https:\/\/www.google.com\/maps\/search\/?api=1&amp;query=Google&amp;query_place_id=ChIJ0a0cNKp_54gRARyuHt5rX3M\" data-time=\"1786567565\" data-id=\"a8da782425aca457a7ea3dafc3416db5\" data-language=\"en\" data-rating=\"5.0\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Patti McCahill <\/div> <div class=\"ti-date\">34 days ago<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform ti-color-green\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\">Kim is an excellent representative.<\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <div class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-platform-page-url=\"https:\/\/www.google.com\/maps\/search\/?api=1&amp;query=Google&amp;query_place_id=ChIJ0a0cNKp_54gRARyuHt5rX3M\" data-time=\"1786053342\" data-id=\"aa91b87d8393d678ce3ac71cd568085d\" data-language=\"en\" data-rating=\"5.0\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Gus Bernardo <\/div> <div class=\"ti-date\">40 days ago<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform ti-color-green\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\">Great experience with Sun. My agent Kim is always looking out for me.  She takes all my needs into consideration and finds me the best price.  Never pushy and gives me several options.  Very happy with Sun insurance and my agent Kim.<\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <div class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-platform-page-url=\"https:\/\/www.google.com\/maps\/search\/?api=1&amp;query=Google&amp;query_place_id=ChIJ0a0cNKp_54gRARyuHt5rX3M\" data-time=\"1785801725\" data-id=\"aaebc44cf764b5f5109cd497f51d909f\" data-language=\"en\" data-rating=\"5.0\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> David Seidell <\/div> <div class=\"ti-date\">43 days ago<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform ti-color-green\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\">Scott is great exceptional service<\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <div class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-platform-page-url=\"https:\/\/www.google.com\/maps\/search\/?api=1&amp;query=Google&amp;query_place_id=ChIJ0a0cNKp_54gRARyuHt5rX3M\" data-time=\"1785523760\" data-id=\"f0ea4865bce591e0ddc0d11b5786e39d\" data-language=\"en\" data-rating=\"5.0\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> osceola speed tires and wheels (Osceola Speed Tires) <\/div> <div class=\"ti-date\">46 days ago<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform ti-color-green\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\">Scott and his team are amazing. They provided excellent customer service and great advice. Very professional, knowledgeable and trust worthy. Highly recommeded.<\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <div class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-platform-page-url=\"https:\/\/www.google.com\/maps\/search\/?api=1&amp;query=Google&amp;query_place_id=ChIJ0a0cNKp_54gRARyuHt5rX3M\" data-time=\"1785350871\" data-id=\"bd9a69b27fa4976b8111c2ca7c289527\" data-language=\"en\" data-rating=\"5.0\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Versie <\/div> <div class=\"ti-date\">48 days ago<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform ti-color-green\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\">Donna is awesome! Helpful and very responsive. She significantly reduced my homeowners pricing. Super impressed. I highly recommend!<\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <div class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-platform-page-url=\"https:\/\/www.google.com\/maps\/search\/?api=1&amp;query=Google&amp;query_place_id=ChIJ0a0cNKp_54gRARyuHt5rX3M\" data-time=\"1785190859\" data-id=\"5718bf14b062fa6f9e90c6531b00d2e6\" data-language=\"en\" data-rating=\"5.0\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Queens Nicky <\/div> <div class=\"ti-date\">50 days ago<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform ti-color-green\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\">Cant say enough about the team from the top (Patrick Brandt CEO)to the botttom they go the extra mile for you. I had an issue with my Insurance Carrier and they stepped in and went to bat for me and my family. Donna Mixon has been my agent for years, she is always prompt and professional. Highly recommend the team at Sun Insurance Services!<\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <\/div> <div class=\"ti-controls-line\"> <div class=\"dot\"><\/div> <\/div> <\/div> <div class=\"ti-verified-by ti-verified-by-row\" data-style=\"1\"> <div class=\"ti-inner\"> Verified by Trustindex <span class=\"ti-info-icon\"><\/span> <div class=\"ti-disclaimer\">Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. <a href=\"https:\/\/www.trustindex.io\/?a=sys&c=verified-badge&url=\/the-trustindex-verified-badge\/\" target=\"_blank\">Read more<\/a><\/div> <\/div> <\/div> <\/div> <\/div> <\/pre><style class=\"scss-content\">.ti-widget[data-layout-id='14'][data-set-id='ligth-border'][data-pid='ffa796354707667abb9699ee0e2'] .ti-widget-container .ti-date{color:#8a8a8a}.ti-widget[data-layout-id='14'][data-set-id='ligth-border'][data-pid='ffa796354707667abb9699ee0e2'] .ti-review-content{height:65.25px !important;-webkit-line-clamp:3}.ti-widget[data-layout-id='14'][data-set-id='ligth-border'][data-pid='ffa796354707667abb9699ee0e2'] .ti-ai-summary-item .ti-review-content{-webkit-line-clamp:4;height:89px !important}<\/style><script>\n(function () { if (window.tiLoaderFallback) { return; } window.tiLoaderFallback = true; function tiLoadLoader() { if (window.TrustindexWidget || document.querySelector('script[src*=\"https:\/\/cdn.trustindex.io\/loader.js\"]')) { return; } let script = document.createElement(\"script\"); script.async = true; script.src = \"https:\/\/cdn.trustindex.io\/loader.js\"; script.setAttribute(\"data-ccm-injected\", \"1\"); document.head.appendChild(script); } if (\"loading\" === document.readyState) { document.addEventListener(\"DOMContentLoaded\", tiLoadLoader); } else { tiLoadLoader(); } })();\n<\/script>\n\n<\/section>\n\n<section class=\"quote-section\" id=\"bizquoteform\">\n  <h2 class=\"center\">Request a Florida Commercial Insurance Quote<\/h2>\n  <p class=\"lead center\">Tell us about your business, current policies, employees, vehicles, property, contracts, and renewal date. Our commercial team can review available options and help identify material coverage differences.<\/p>\n\n  <p class=\"center\">\n    <a class=\"sun-button\" href=\"tel:+14077811609\">Call Scott: 407-781-1609<\/a>\n    <a class=\"sun-button secondary\" href=\"sms:+14077811609\">Text Scott<\/a>\n  <\/p>\n\n  <div class=\"sun-legacy-quote-replacement\" style=\"margin:24px 0;text-align:center;\">\r\n                <a href=\"https:\/\/suninsuranceservices.com\/quote\/?agent=scott-mauldin\" class=\"wp-element-button\" style=\"display:inline-block;padding:13px 24px;font-weight:700;text-decoration:none;\">\r\n                    Request a Quote from Scott\r\n                <\/a>\r\n            <\/div>\n\n<\/section>\n\n<section class=\"center\">\n  <h2>Sun Insurance Services<\/h2>\n  <p>\n    <strong>Sun Insurance Services, Inc.<\/strong><br>\n    7680 Universal Blvd Suite 198<br>\n    Orlando, FL 32819<br>\n    <a href=\"tel:+14077811600\">Call or Text 407-781-1600<\/a>\n  <\/p>\n<\/section>\n\n<p class=\"fine-print\">Coverage, pricing, eligibility, classifications, audits, limits, deductibles, endorsements, certificates, and carrier availability depend on underwriting guidelines, policy terms, business operations, and current insurance requirements. Coverage is not bound or changed until confirmed by a licensed agent and the insurance carrier. Last updated August 4, 2026.<\/p>\n\n<\/article>\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@graph\": [\n    {\n      \"@type\": [\n        \"InsuranceAgency\",\n        \"LocalBusiness\",\n        \"FinancialService\"\n      ],\n      \"@id\": \"https:\/\/suninsuranceservices.com\/#insurance-agency\",\n      \"name\": \"Sun Insurance Services\",\n      \"legalName\": \"Sun Insurance Services, Inc.\",\n      \"url\": \"https:\/\/suninsuranceservices.com\/\",\n      \"telephone\": \"+1-407-781-1600\",\n      \"foundingDate\": \"2003\",\n      \"address\": {\n        \"@type\": \"PostalAddress\",\n        \"streetAddress\": \"7680 Universal Blvd Suite 198\",\n        \"addressLocality\": \"Orlando\",\n        \"addressRegion\": \"FL\",\n        \"postalCode\": \"32819\",\n        \"addressCountry\": \"US\"\n      },\n      \"areaServed\": {\n        \"@type\": \"State\",\n        \"name\": \"Florida\"\n      },\n      \"employee\": {\n    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Businesses should evaluate separate flood insurance based on location, property values, lender requirements, equipment, inventory, and business interruption exposure.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Why do commercial insurance audits happen?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Workers compensation and some general liability policies use estimated payroll, sales, or subcontractor costs. An audit compares estimates with actual exposure and may produce an additional premium or return premium.\"\n          }\n        }\n      ]\n    },\n    {\n      \"@type\": \"BreadcrumbList\",\n      \"@id\": \"https:\/\/suninsuranceservices.com\/business-in-florida\/#breadcrumb\",\n      \"itemListElement\": [\n        {\n          \"@type\": \"ListItem\",\n          \"position\": 1,\n          \"name\": \"Home\",\n          \"item\": \"https:\/\/suninsuranceservices.com\/\"\n        },\n        {\n          \"@type\": \"ListItem\",\n          \"position\": 2,\n          \"name\": \"Florida Insurance\",\n          \"item\": \"https:\/\/suninsuranceservices.com\/florida-insurance\/\"\n        },\n        {\n          \"@type\": \"ListItem\",\n          \"position\": 3,\n          \"name\": \"Florida Commercial Insurance\",\n          \"item\": \"https:\/\/suninsuranceservices.com\/business-in-florida\/\"\n        }\n      ]\n    }\n  ]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Florida Business Insurance Florida Commercial Insurance Compare commercial insurance options for Florida businesses, including general liability, commercial property, workers compensation, commercial auto, cyber liability, professional liability, product liability, inland marine, employment practices liability, and industry-specific coverage. Sun Insurance Services is an independent insurance agency based in Orlando. We help Florida business owners match insurance to&hellip; <a class=\"continue\" href=\"https:\/\/suninsuranceservices.com\/es\/business-in-florida\/\">Continuar leyendo<span> Seguro comercial de Florida<\/span><\/a><\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","hide_page_title":"enabled","footnotes":""},"folder":[],"class_list":["post-475","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Florida Commercial Insurance Quotes | Sun Insurance<\/title>\n<meta name=\"description\" content=\"Compare Florida commercial insurance for liability, property, workers comp and commercial auto. 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