Commercial Business Insurance
The Smart Way.

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Explore Our Commercial Insurance Products

General Liability

Helps protect your business from claims involving third-party bodily injury, property damage, and advertising injury.

  • Customer or visitor injuries on your premises
  • Damage to someone else's property
  • Legal defense costs for covered claims
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Commercial Auto

Provides coverage for vehicles used in your business operations, including cars, vans, and trucks.

  • Vehicle accidents and collisions
  • Bodily injury and property damage liability
  • Coverage options for owned, hired, or non-owned vehicles
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Workers Compensation

Helps cover medical expenses and lost wages for employees who are injured or become ill on the job. Requirements vary by industry and business size under Florida law.

  • Employee medical expenses
  • Lost wage benefits
  • Employer liability protection
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Business Owners Policy (BOP)

Combines general liability and commercial property coverage into one convenient policy designed for small and midsize businesses.

  • Property damage protection
  • General liability coverage
  • Business interruption support
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Contractors Insurance

Coverage designed for contractors and tradespeople, addressing the unique risks of on-site and off-site work.

  • Tools and equipment protection
  • Liability for job-site accidents
  • Coverage options for subcontracted work
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Professional Liability

Also known as Errors & Omissions (E&O) insurance, helps protect professionals against claims of negligence, mistakes, or failure to deliver promised services.

  • Claims of negligence or errors
  • Legal defense costs
  • Protection for advice-based services
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Commercial Property

Helps protect the physical assets of your business, including your building, equipment, inventory, and furniture.

  • Building and structure coverage
  • Business equipment and inventory
  • Protection against covered perils such as fire or storm damage
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Getting Covered Is Simple

1

Tell Us About Your Business

Share a few basic details about your business and the coverage you're looking for.

2

Review Your Options

A licensed agent will go over coverage options tailored to your business needs.

3

Get Covered

Choose the coverage that fits and get your policy in place.

Why Choose A&J Insurance & Credit

Local Florida Expertise

We understand the risks and requirements Florida businesses face, and we help guide you through your options.

Personalized Service

You work with a real agent who takes the time to understand your business, not just a quote form.

Coverage Options That Fit

We help match your business with coverage options suited to your industry and operations.

What Is Commercial Insurance?

Commercial insurance helps protect businesses from financial loss associated with everyday risks, from accidents and property damage to employee injuries and professional errors. The right combination of coverage depends on your industry, size, and operations.

What Affects the Cost of Commercial Insurance?

Commercial insurance costs vary based on factors such as your industry, business size, location, claims history, and the types of coverage you select. Speaking with a licensed agent is the best way to understand your specific options.

Industries We Serve

Restaurants & Food Service Contractors & Construction Retail Stores Professional Services Real Estate Property Managers & Landlords Salons & Spas Auto Services Landscaping & Lawn Care Cleaning Services Healthcare Providers Technology Companies Nonprofits & Associations Other

What Our Clients Say

Client testimonials coming soon.

Frequently Asked Questions

Certain types of coverage may be required by Florida law depending on your industry and number of employees. Some contracts, landlords, or clients may also require proof of insurance. A licensed agent can help you understand what applies to your business.

It depends on your business. Businesses with employees typically need Workers Compensation, businesses with customers on-site often need General Liability, and professionals who give advice or services may need Professional Liability. Speaking with an agent is the best way to identify your specific needs.

Call us at 954-479-9202 or use the "Get a Quote" button on this page, and a licensed agent will help you get started.

Contact us to confirm availability for your location and coverage needs.

Get a Commercial Insurance Quote Today

Talk to a licensed agent about coverage options for your business.

Get a Quote