Small Business Insurance in Tampa, FL

Get a Quote for Commercial Insurance in Tampa

Tampa has a strong business climate, allowing businesses of all sizes to thrive. In fact, this city, known as The Big Guava, was named one of the best places for new small businesses.¹ But to run a successful company, you need commercial insurance. That’s because companies face unique risks every day, even during normal business operations. Having the right type of small business insurance in Tampa, FL can make all the difference.

Claims aren’t uncommon. A customer can fall and hurt themselves at your business or an employee can make a mistake in the professional services you provide. Florida business insurance can help protect your business if an accident like these leads to a costly lawsuit.

Who Needs Business Insurance in Tampa, FL?

Regardless of the size of the business or what industry it’s in, companies need business insurance in Tampa, FL. Our coverages can help a variety of businesses in Florida, including:

General Liability Insurance in Tampa, FL

At a minimum, most small businesses need general liability insurance. It helps protect you from claims that your business caused bodily injury or property damage. Although Florida doesn’t generally require companies to carry this coverage, it’s important to have because costly lawsuits can shut your Tampa business down.

If you go to a client’s home for work and accidentally damage their property, they can sue your business. Or, if you use someone else’s photos in your business’ ads without their permission, you can get sued for copyright infringement. General liability insurance in Tampa, FL can help cover your business’ legal costs.

Other Types of Business Insurance in Tampa

You’ll likely need to get other types of business insurance to have well-rounded protection. Small businesses in Tampa, FL rely on these top six business insurance coverages:

Business Owner’s Policy, which includes general liability, commercial property and business income insurance coverages.
Commercial auto insurance to help protect you and your employees on the road if you drive for business. This type of insurance coverage can help pay for property damage resulting from a car accident.
Workers’ compensation insurance, which gives your employees benefits to help them recover from a work-related injury or illness.
Data breach insurance, sometimes called cyber insurance, to help your business prepare and respond to a data breach or cyberattack.
Professional liability insurance, which can help cover your legal costs if someone sues your business for making a mistake in the professional services given.

Business Insurance in Other Florida Cities

We offer Florida business insurance in cities across the state, including:

How Much Does Liability Insurance in Tampa, FL Cost?

The costs vary for liability insurance in Tampa, FL. That’s because every business is unique and has different needs. You can spend a few hundred to a few thousand dollars a year for business insurance.

Insurance companies may use several factors when determining your insurance cost, such as your:

Years in business
Claims history
Number of employees

To find out how much liability insurance will cost your Tampa business, get a quote.

Get a Quote for Business Insurance in Tampa, FL

When you get business insurance in Tampa, FL, it’s important to work with an insurance company you can trust. We’ve helped over 1 million small business owners across the country and we’d be honored to do the same for your business. Whether you’re looking to get a quote or need help filing a claim, we’ve got your back.

Get a quote for business insurance in Tampa, FL today.

Common Questions About Small Business Insurance in Tampa

Do I Need Business Insurance for an LLC in Tampa?

As a limited liability company (LLC), your personal assets are separated from your business. But, you still need LLC insurance to help protect your business from claims that can come up during normal operations.

How Much Is Business Insurance in Florida?

There’s not a simple answer to how much business insurance costs in Florida. That’s because each policy is unique to the business. Your costs can depend on the number of years you’ve been in business, claims history and location. Find an agent or get a quote to learn how much business insurance will cost for your Tampa company.

¹ Lending Tree, “Best Places for New Small Business”