Business Insurance Quotes in Florida
Choose the type of commercial coverage you need. Quantico Insurance is an independent Orlando agency that quotes your business with multiple A-rated carriers — so you only compare your best options.
General Liability
Protect your Florida business from third-party bodily injury, property damage and advertising claims. Required by most landlords and contracts.
Workers Compensation
Florida-compliant Workers' Comp coverage for employees, owners and 1099 subcontractors. Construction, landscaping, retail and service industries.
Commercial Property
Protect your building, contents, equipment and inventory against fire, theft, hurricane and other covered perils. Includes business income options.
Bonds
Surety, contractor, performance and license bonds. We help Florida contractors and small businesses meet bond requirements quickly.
Garage Liability
Specialized coverage for auto dealers, mechanic shops, body & paint shops and rental car companies. Protects vehicles in your care, custody and control.
Commercial Auto
Coverage for vans, pickups, service trucks and small business fleets. Liability, physical damage, hired and non-owned auto for Florida operators.
Trucking
Primary liability, physical damage, motor truck cargo and non-trucking liability for owner operators, fleets and Florida-based motor carriers.
NEMT Insurance
Non-Emergency Medical Transportation auto liability and physical damage for Florida NEMT providers, brokers and Medicaid transportation contracts.
Commercial insurance built for Florida businesses
Quantico Insurance is an independent Florida agency based in Orlando. We help small and mid-sized businesses across the state protect what they have built — from a one-truck contractor in Kissimmee to a multi-location auto dealer in Tampa, a roofing crew in Lakeland or a NEMT provider serving Central Florida Medicaid contracts. Every business is different, so every commercial program we build is different.
Florida is one of the most regulated and litigated insurance markets in the country. Hurricane exposure, third-party bodily injury claims, slip-and-fall lawsuits, theft, hired-auto incidents and Workers' Compensation requirements all combine to make commercial coverage a real operational concern — not a checkbox. As an independent agency, we shop your account with multiple A-rated carriers so you only see the options that actually fit your industry, payroll, sales and risk profile.
This page is a hub. Pick the line of business that matches what you do, and you'll go to the dedicated coverage page where you can read more, see who it's for, and start a quote.
Who this page is for
If you run any of the following in Florida, this is the right starting point:
- General contractors, subcontractors, roofers, electricians, plumbers and HVAC companies
- Landscaping, lawn care, pressure washing, cleaning and pool service businesses
- Auto dealers, mechanic shops, body & paint shops, tire shops and rental operations
- Owner operators, motor carriers, hotshot trucking, box truck delivery and last-mile fleets
- Non-Emergency Medical Transportation (NEMT) providers and Medicaid transportation contractors
- Retail stores, restaurants, salons, barbershops, gyms and other storefront tenants
- Office tenants, professional services, IT consultants and small B2B operations
- Property owners renting commercial space and small landlords with commercial buildings
Common commercial coverages we offer
General Liability (GL)
The foundation of most commercial programs. GL responds to third-party bodily injury, property damage and personal/advertising injury claims, and is what landlords, GCs and clients usually require on a certificate of insurance.
Workers' Compensation
Pays medical bills and lost wages when an employee or covered subcontractor is hurt on the job. Required for most Florida construction businesses with 1+ employees and most non-construction businesses with 4+ employees.
Commercial Property
Protects your building, tenant improvements, contents, inventory, tools and equipment against fire, theft, vandalism, wind/hurricane and other covered perils. Often paired with business income coverage.
Commercial Auto
Covers vehicles used for business — vans, pickups, service trucks and small fleets — with liability, physical damage, medical payments, uninsured motorist and hired & non-owned auto options.
Trucking
Specialized motor carrier coverage including primary auto liability, physical damage, motor truck cargo, non-trucking liability and trailer interchange for owner operators and fleets.
Garage Liability
Designed for auto dealers, mechanic shops, body shops and rental operations. Covers premises liability and customer vehicles in your care, custody and control (garagekeepers).
Bonds
Surety bonds, contractor license bonds, performance bonds and permit bonds. Required by Florida licensing boards, municipalities and many private contracts.
NEMT Insurance
Auto liability, physical damage and program-specific limits required by Medicaid transportation brokers and Florida NEMT contracts.
Why Florida businesses choose Quantico
- Independent Orlando agency — we shop your account with multiple A-rated carriers, not just one.
- Commercial focus: GL, Workers' Comp, Property, Auto, Bonds, Garage, Trucking and NEMT all under one roof.
- Bilingual service in English and Spanish, including over the phone, by email and on WhatsApp.
- Fast Certificates of Insurance (COI) for landlords, general contractors and clients.
- Florida-specific guidance on Workers' Comp exemptions, hurricane exposure and bond requirements.
- Real human service — no chatbot wall, no offshore call center.
Florida businesses and commercial risk
Florida operators face risks that businesses in other states often don't have to think about: hurricane and wind exposure, year-round outdoor work, heavy tourism traffic, dense rental and HOA requirements, strict construction licensing and one of the most active third-party liability environments in the United States. A single uninsured slip-and-fall, hired-driver accident or roof claim can put a small business out of operation.
The right commercial program is not just about minimum limits. It's about matching the limits, deductibles, exclusions and endorsements to how you actually operate — your payroll, your subcontractor usage, your radius, your vehicles, your locations and the contracts you sign. That is exactly the conversation we want to have with you.
We serve businesses across Central Florida — including Orlando, Kissimmee, Orange County, Osceola County, Tampa, Lakeland and surrounding areas — as well as motor carriers and NEMT providers operating statewide.
Bilingual service · Servicio bilingüe
We work with Florida business owners in English and Spanish. Trabajamos con dueños de negocios en Florida en inglés y español — desde contratistas y transportistas hasta dealers, tiendas y proveedores de NEMT. Llámanos al (321) 407-5597 o escríbenos para una cotización sin compromiso.
Frequently Asked Questions
Ready to protect your Florida business?
Pick the coverage you need above to start a quote, or request a full commercial review and we'll quote multiple lines together.
