Commercial Insurance for South Florida Businesses

Running a business in South Florida comes with unique risks: hurricane exposure, high liability environments, and a competitive market where one uninsured loss could force you to close your otherwise thriving business. The right commercial insurance isn't just an expense — it's an asset that allows you to keep your business operational when something goes wrong.

At Sentinel Insurance, we work with multiple commercial carriers to build customized coverage packages for Fort Lauderdale businesses. We don't sell one-size-fits-all policies. We learn your business, identify your exposures, and recommend coverage that protects against threats to your operation.

Commercial Coverage We Offer

General Liability (GL)

Covers third-party bodily injury, property damage, and advertising injury. The foundation of any commercial insurance program.

Commercial Property

Covers your business property (building, equipment, inventory, furniture) against fire, theft, vandalism, and weather damage.

Business Owner's Policy (BOP)

Bundles general liability and commercial property into one cost-effective package. Ideal for small to mid-sized businesses.

Workers' Compensation

Required in Florida for businesses with 4+ employees (1+ in construction). Covers employee injuries and illnesses on the job.

Commercial Auto

Covers vehicles used for business: company cars, delivery vans, service trucks. Personal auto policies don't cover business use.

Professional Liability (E&O)

Covers claims arising from professional advice or services you provide. Critical for consultants, agents, accountants, and other professionals.

Commercial Umbrella

Extends your liability protection beyond the limits of your underlying commercial policies. Protects against catastrophic claims.

Cyber Liability

Covers data breaches, ransomware attacks, and other cyber incidents. Increasingly essential for businesses of all sizes.

Other Coverages

Inland Marine, Commercial Flood, Directors & Officers, Crime, Employment Practices Liability...and more.

Industries We Serve

We work with a wide range of South Florida businesses of all sizes and industries. Recent successes include: Condo Associations, Ballistic Glass Manufacturer, Dental Offices, Property Manager, Pre-Schools/Daycares, Consultants, Landscapers, Contractors/Trades and more.

If your industry isn't listed. Reach out; we likely have a carrier partner that can help.

Commercial Insurance Services Provided

Commercial insurance is more complex than personal lines. Commercial policies require Certificate of Insurance (COI) issuance and management, endorsement processing, insuring against new exposures, audit assistance, premium financing...etc. We proudly support our commercial customers in every aspect of their insurance program.

Business Insurance FAQ

What insurance does my Florida business need?
At minimum, most businesses need general liability insurance. If you have employees, workers' compensation is required (4+ employees in most industries, 1+ in construction). Beyond that, commercial property, commercial auto, and professional liability depend on your specific business operations and risks.
How much does business insurance cost?
Business insurance costs vary widely based on industry, revenue, number of employees, and coverage needs. A basic BOP for a small service business might start around $500–$1,000/year. Contractors, restaurants, and businesses with higher risk profiles will pay more. We provide free, no-obligation quotes so you know exactly what to expect.
What is a BOP and is it right for my business?
A Business Owner's Policy (BOP) bundles general liability and commercial property coverage into a single, cost-effective policy. It's ideal for small to mid-sized businesses with relatively straightforward operations. Larger or more complex businesses may need standalone policies for each coverage type.
Can you help with Certificates of Insurance (COIs)?
Absolutely. We expedite all COI requests. Whether you need a certificate for a new client, a landlord, general contractor, or access to a job site. We will make sure that your operations do not slow down or stall while waiting for a COI.