Commercial Insurance for Florida Businesses
Protect the Business You’ve Worked Hard to Build
From your first policy to a complex multi-location program, MAD Insurance helps protect your people, property, vehicles, income and reputation—with coverage built around the way your business actually operates.
Popular protection
Start with the coverage your business needs
Choose a core coverage below, or open the complete commercial coverage directory.
Business Owners Policy (BOP)
Combines common property, liability and business-income coverages for many eligible businesses.
General Liability
Helps protect against third-party injury, property damage and completed-operations claims.
Commercial Property
Coverage for buildings, business property, inventory, equipment and physical assets.
Commercial Auto
Protection for company vehicles, work trucks, vans and business fleets.
Workers’ Compensation
Coverage for work-related employee injuries, medical expenses and lost wages.
Cyber Liability
Protection for data breaches, ransomware, cybercrime and recovery costs.
Professional & Management 3 coverages
Property, Projects & Equipment 3 coverages
Products & Specialty Liability 3 coverages
Crime, Cargo & Bonds 3 coverages
Browse by business
Choose the type of business you operate
We’ll help identify the coverage and underwriting information that usually applies.
How MAD protects your business
One coordinated insurance process
We review your operation as a whole, approach appropriate standard and specialty markets, and keep the process organized.
Tell us about the business
Share your operations, locations, people, vehicles, property and current insurance.
We review the exposure
We organize underwriting details, contracts, loss history and coverage needs.
Compare and protect
We explain the options and remain available after the policy is issued.
Commercial insurance questions
What information do I need to start a commercial quote?
Helpful information may include a description of operations, ownership details, locations, annual sales, payroll, employee counts, vehicle and driver lists, property values, contracts, current policies and loss runs. The exact requirements depend on the coverage and type of business.
Can MAD Insurance help with certificates and contract requirements?
Yes. We can review insurance requirements and help with certificates of insurance, additional insured requests and endorsements when supported by the policy. A certificate is evidence of coverage and does not itself change the policy.
Do small businesses need more than general liability?
Often, yes. General liability does not replace commercial auto, workers’ compensation, professional liability, cyber, flood or coverage for your own building, tools, equipment and inventory. The right combination depends on the business.
Can you insure a new or hard-to-place business?
We work with standard and specialty markets. Availability depends on the operation, location, experience, loss history and requested coverage, but we can help determine which markets may be appropriate.
How often should a business insurance program be reviewed?
At least annually and whenever there is a meaningful change, such as a new location, vehicle, employee, service, product, contract, piece of equipment or ownership structure.
Not sure what coverage you need?
Tell us about your business. Our commercial team will organize the details and help identify the right next step.
Coverage is subject to underwriting, policy terms, conditions and exclusions. Coverage cannot be bound, changed or confirmed through this website, email, fax or voicemail. Confirmation from a licensed MAD Insurance agent is required.
Commercial quote guide
What should your business protect?
Which best describes your business?
Choose the closest match. You can fine-tune the recommendation next.
What do you want to insure?
Select every exposure that applies. We’ll build a suggested coverage list around your answers.
Your suggested starting point
Based on what you selected, these coverages are worth discussing with our commercial team.
This guide provides general recommendations only. Coverage needs, eligibility, limits, and availability must be confirmed by a licensed insurance professional and are subject to underwriting and policy terms.
Start a specialty commercial quote
Choose the exposure you want reviewed. The questionnaire will show only the follow-up questions that apply.
