Plain-English guides to help South Florida businesses and families make smart insurance decisions.
Latest Guides
Florida's 4-employee threshold sounds simple — until you're in construction. Learn exactly when coverage is required, what exemptions apply, and what it actually costs for a small South Florida business.
The transparent pricing breakdown most brokers won't show you. Real ranges for General Liability, Workers' Comp, BOP, Commercial Auto, and Professional Liability — with Miami-Dade, Broward, and Palm Beach County comparisons.
What GL covers, what it doesn't, and why landlords require it. Real South Florida scenarios, coverage limits explained, and cost ranges by industry — from consulting ($400/yr) to construction ($2,000–5,000/yr).
Side-by-side cost comparison: bundled Business Owner's Policy vs. buying GL, commercial property, and business interruption separately. Plus the wind/hurricane exclusion every South Florida business needs to know about.
Workers' comp kicks in at 1 employee in construction. GL is required for your DBPR license. Here's the full coverage stack, real cost ranges ($500–$2K/month), bond requirements, and three South Florida contractor scenarios.
Personal auto policies deny business-use claims — and vehicles registered to your LLC can't be written on a personal policy at all. Cost breakdown by vehicle type ($1,200–$4,000/yr), hired & non-owned auto explained, and two South Florida scenarios.
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