Business Insurance in Miami, FL
Every business needs the proper insurance to help manage risks and meet legal standards. At Carrera Insurance, we work with companies to assess their coverage needs and recommend suitable policies.
What Are My Business’s Coverage Options? 
Most businesses in Florida are legally required to carry workers’ compensation insurance to cover employee injuries, lost wages or funeral costs resulting from a workplace accident. According to state law, vehicles used for work must also be insured under a commercial auto policy.
Based on your business needs, the following types of policies may also be recommended by your broker:
- General liability insurance may help cover claims of third-party bodily injury, property damage or personal injury caused by your operations.
- Business interruption insurance can compensate for lost income and ongoing expenses if a covered event causes your business to close temporarily.
- Commercial property insurance can help pay for damage to buildings, equipment, inventory and other physical assets from various risks, including fire, theft or vandalism.
- Professional liability insurance can cover third-party claims related to professional errors, missed deadlines or negligence in the services your business provides.
- Cyber insurance can cover financial losses if your business experiences a data breach or cyberattack.
How Much Does It Cost?
Your business insurance costs may vary based on your:
- Industry
- Location
- Claims history
- Number of employees
- Driving records
- Business assets (e.g., commercial spaces, inventory, vehicles, equipment, etc.)
- Policy specifics (e.g., deductibles, coverage selections)
Contact Us Today
Match your business with the coverage it needs. Contact Carrera Insurance today to get a free personalized quote.