Business Insurance

Protect Your Business and Employees

Comprehensive commercial insurance coverage for Miami businesses. From startups to established companies, we have the right protection for your business.

500+
Businesses Insured
24/7
Business Support
$5M
Coverage Available
Get Free Quote Call Now
General Liability
Workers' Compensation
Cyber Insurance
Business Insurance Coverage
Customized for Your Industry
Coverage Options

Complete Business Insurance Solutions

Protect your business from liability, property damage, and employee injuries

General Liability

Essential coverage for third-party bodily injury and property damage claims. Protects your business from lawsuits.

  • Bodily injury coverage
  • Property damage claims
  • Legal defense costs
  • Medical payments
  • Advertising injury
Most Popular

Business Owner's Policy (BOP)

Bundled coverage combining general liability and commercial property insurance. Cost-effective protection for small businesses.

  • General liability
  • Property insurance
  • Business interruption
  • Equipment coverage
  • Crime protection
  • Save up to 30%

Workers' Compensation

Required by Florida law if you have 4+ employees. Covers medical costs and lost wages for workplace injuries.

  • Medical expenses
  • Lost wages coverage
  • Disability benefits
  • Rehabilitation costs

Commercial Property

Protects your business building, equipment, inventory, and furniture from fire, theft, and natural disasters.

  • Building coverage
  • Equipment & inventory
  • Fire & theft protection
  • Hurricane damage

Professional Liability

Errors & omissions insurance for professionals. Protects against claims of negligence or mistakes in your services.

  • Professional negligence
  • Errors & omissions
  • Legal defense
  • Contract disputes

Cyber Liability

Critical protection from data breaches, cyber attacks, and ransomware. Covers notification costs and legal fees.

  • Data breach response
  • Ransomware coverage
  • Customer notification
  • Credit monitoring
Business professionals
Why Covera Insurance

Miami's Business Insurance Specialists

We understand the unique challenges Miami businesses face. From hurricane preparedness to industry-specific coverage, we have you covered.

Industry Expertise

Specialized coverage for restaurants, retail, tech, healthcare, construction, and professional services.

Fast Certificate Delivery

Need a certificate of insurance immediately? We can deliver one within hours, not days.

Coverage That Grows

Start with basic coverage and scale as your business grows. We adjust your policy to match your needs.

Claims Advocacy

Dedicated claims support to ensure fast processing and maximum settlement for your business.

Get Your Free Quote

Request a Quote

Fill out this form and we'll get back to you with a customized insurance solution.

Your business information is confidential and secure.

FAQ

Frequently Asked Questions

Common questions about business insurance in Florida

What business insurance is required in Florida?

Workers' compensation is required if you have 4+ employees (construction requires it for 1+ employees). Other coverage is optional but highly recommended to protect your business.

How much does business insurance cost?

Costs vary based on your industry, location, coverage limits, and number of employees. Small businesses typically pay $500-$3,000 annually for general liability coverage.

What's the difference between BOP and general liability?

A BOP bundles general liability with commercial property insurance and business interruption coverage. It's typically more cost-effective than buying policies separately.

Do I need cyber insurance?

If your business stores customer data electronically or accepts online payments, cyber insurance is highly recommended to protect against data breaches and cyber attacks.

Can I get same-day coverage?

Yes! Many policies can be issued same-day. We can often provide certificates of insurance within hours for urgent needs like contract requirements.

What if I work from home?

Home-based businesses need separate business insurance as homeowners policies don't cover business activities. We offer affordable policies designed for home-based operations.

How do I file a business insurance claim?

Contact us immediately at (786) 365-1377. We'll guide you through the process, help document damages, and advocate for the best possible settlement.

What's professional liability insurance?

Also called E&O insurance, it protects professionals from claims of negligence, errors, or omissions in their services. Essential for consultants, lawyers, and service providers.

Protect Your Business Today

Get comprehensive commercial insurance coverage tailored to your Miami business.

Get Free Quote (786) 365-1377