Small business insurance in Florida, NY
Florida's business community includes agricultural operations, a modest Route 30 commercial presence, and rural residential community. Every one of those operations faces a distinct set of risks — liability exposure from customers on premises, commercial property loss from fire or theft, employees who can get hurt on the job, and vehicles that need commercial coverage, not personal auto policies.
Bashwinger has been writing commercial insurance in Montgomery County for over 50 years. We don't apply one-size-fits-all templates. We look at what your business actually does, what it owns, who works for it, and what could go wrong — then we build coverage that fits.
Business Owner's Policy (BOP) for Florida businesses
A Business Owner's Policy bundles general liability and commercial property into a single policy form at a discounted combined rate. General liability covers bodily injury and property damage claims from third parties — a customer injured on your premises, damage your work causes to a client's property, and advertising injury claims. Commercial property covers your business location, inventory, equipment, and furnishings.
BOP eligibility has revenue and square footage limits — most small and medium businesses qualify, but larger operations or higher-risk industries may need standalone GL and property policies. We assess which form fits your business at the quote stage.
Workers compensation for Florida employers
New York State requires workers compensation coverage for all employers with employees — no minimum number, no exceptions for part-time or family members in most situations. Workers comp pays for medical expenses, lost wages, and rehabilitation costs for employees injured on the job. It also protects the employer from direct lawsuits by injured employees in most circumstances.
New York's workers comp market is tightly regulated. Rates are based on your employees' classification codes and payroll. We write workers comp as part of a complete commercial package or as a standalone policy and shop the market for competitive rates.
Commercial auto insurance for Florida businesses
If any vehicle is titled to your business, or if any employee drives their personal vehicle for business purposes (making deliveries, visiting clients, picking up supplies), you need commercial auto coverage. Personal auto policies exclude business use — a claim that occurs during a business errand will be denied. We write commercial auto for fleets of any size, including single-vehicle owner-operators.
Umbrella insurance for Florida businesses
A commercial umbrella policy adds a layer of liability protection above your BOP and commercial auto limits. In a litigious environment, even a modest personal injury claim against a small business can approach or exceed standard liability limits. A $1,000,000 commercial umbrella is typically far less expensive than you'd expect — and it sits above all your underlying commercial liability policies simultaneously.
Business insurance FAQs — Florida, NY
What business insurance do I need in Florida, NY?
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Most small businesses in Florida start with a Business Owner's Policy (BOP), which bundles general liability and commercial property into a single policy. Beyond the BOP, common additions are commercial auto (if you have any business vehicles), workers compensation (required in NY if you have any employees), and a commercial umbrella for additional liability protection. The right stack depends on your specific operation — we assess each business individually.
How much does business insurance cost in Florida, NY?
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A basic BOP for a small Florida business — retail, professional services, or a modest trade operation — typically runs $800–$2,500 per year depending on revenue, property values, and the nature of the business. Workers comp is calculated separately based on payroll and classification codes. As an independent agency, we shop your business across multiple commercial carriers to find the most competitive combination.
Does New York require workers compensation insurance for my Florida business?
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Yes. New York State requires workers compensation coverage for virtually all employers with one or more employees, including part-time and family employees in most cases. The penalty for non-compliance in NY is significant — up to $2,000 for every 10-day period without coverage. If you have any paid employees in Florida, workers comp is not optional. We write it as part of your full commercial package or as a standalone policy.