Protection built for people who build, repair, install, and deliver.
MAD Insurance helps artisans, contractors, and trade businesses combine the right policies—without forcing you to decode insurance jargon.
Built for Florida trades
Your risks change based on the work you perform, where you perform it, the tools you use, and whether employees or vehicles are involved.
Your business coverage map
Most trade businesses need more than one policy. These are the building blocks we review together.
General Liability
Helps address third-party bodily injury, property damage, and certain completed-work claims arising from your operations.
Commercial Auto
Protects vehicles used for jobs, deliveries, tools, materials, and employee driving. Personal auto policies may exclude business use.
Workers’ Compensation
Helps with eligible employee injuries and occupational illnesses. Florida requirements depend on industry and employee count.
Tools & Equipment
Inland marine coverage can protect mobile tools and equipment while stored, transported, or used away from your premises.
Commercial Property
Helps cover buildings, tenant improvements, inventory, furniture, and equipment at scheduled business locations.
Professional Liability
For businesses whose advice, design, consulting, or technical services could lead to claims involving errors or omissions.
Contractors Equipment
Protection for higher-value machinery such as skid steers, excavators, generators, lifts, and specialty equipment.
Cyber Liability
Helps respond to data breaches, fraudulent transfers, ransomware, system interruptions, and privacy-related costs.
Umbrella / Excess
Adds liability limits above eligible underlying policies when a serious accident or lawsuit exceeds primary limits.
Which combinations are common?
The right package depends on your contracts, payroll, vehicles, equipment, subcontractors, and job types.
| Business profile | Coverage commonly reviewed |
|---|---|
| Solo artisan working at customer locations | General liability, tools and equipment, commercial auto |
| Contractor with employees | General liability, workers’ compensation, commercial auto, umbrella |
| Shop, warehouse, or office | Commercial property, business income, equipment breakdown, crime |
| Design-build or consulting work | General liability plus professional liability |
| Work involving customer data or payments | Cyber liability and crime/social-engineering review |
Details that prevent coverage surprises
Common questions
What information should I prepare for a quote?
Business name and address, years in business, detailed operations, annual sales, payroll by job type, subcontractor costs, vehicle and driver information, equipment values, prior insurance, and loss history.
Can one policy cover everything?
Usually not. A business owner’s policy can package several protections, but vehicles, workers’ compensation, professional services, cyber risks, mobile equipment, and excess liability often require separate coverage.
Why does the exact trade description matter?
Carriers price and underwrite based on what you actually do. An incomplete description can cause claim problems, audits, nonrenewal, or a substantial premium adjustment.
Can MAD Insurance help with certificates?
Yes. We can review contract requirements, help structure appropriate coverage, and issue certificates that accurately reflect the policies in force.
Coverage, eligibility, limits, exclusions, deductibles, and availability vary by carrier and policy. This page is educational and does not guarantee coverage.
Tell us what your business actually does.
We’ll help identify the exposures, compare available carriers, and explain the options clearly.
