Florida Commercial Insurance Agency

09/02/2026

We will be closed on September 7th. This will allow our wonderful staff to spend time with family and friends in recognition of Labor Day.
We also wish you a great day and look forward to serving you when we return on the 8th at 8am.

08/10/2026

ARE YOU CLASSIFIED CORRECTLY?
In this break from my posts on Commercial Lines agency, I wanted to share some important information.
At the time of injury is the absolute worst time to review your policy and/or determine if you are classified correctly.
Many times we have found that an operation is incorrectly classified on their workers compensation policy. This can be the result of a change in operations, lack of knowledge of the agent, agent writing to a code that fits a current carrier as opposed to finding a carrier that accepts the correct operation.
I wanted to share a couple common misclassified risks:
Janitorial - if you are performing residential work, you need to ensure you are classified in 0917 (9014 is for commercial cleaning only).
Stay at home employees- you need to be classified in 8871 (8810 is for in office clerical)
Pressure Washing - if you power wash roofs, you need to be considered under 5551 (9014 is from the ground)
Carpentry - if you are performing structural work, you need to be classified as 5645 (many times agents will apply 5437 to reduce premium- however, this is limited to interior trim carpentry)
Flooring- it is really important to evaluate these operations as separate codes apply for wood floors, tile floors, and carpet.
There are many, many different scenarios. The most important advice is (1) take a look at your policy and review with your agent (2) if you don't know insurance, you need to know your agent. We have decades of experiences writing commercial coverages including workers compensation. We will be glad to review your current coverage and make a recommendation. We also have many solutions including pay as you go, self reporting, payroll companies, accountants, dividend programs and more. We can also help you establish a safety plan at no cost (worth a 2% discount on every work comp policy).

08/06/2026

Often, we hear of a PERSONAL lines agency making a decision to "open or establish" a COMMERCIAL lines department.
Just as often, we hear of the poor results or abandonment of the new idea.
Over the next few posts, I will explore why you should get your COMMERCIAL-BUSINESS insurance from a COMMERCIAL focused agency (and likewise your PERSONAL insurance from a PERSONAL focused agency).
I assure you that there are significant differences in the two focuses that make it difficult to be successful at both.
However, I bet you understand the difference between a butcher and a surgeon (even though they both cut meat).

07/27/2026

We are so happy to have Brenna on our team. Brenna is a 2025 accounting graduate of the University of Central Florida.
Brenna grew up in Vermont before moving to Jacksonville, FL. She is new to insurance, but has quickly earned her Customer Service license. Her quick understanding of numbers has quickly made her a valuable asset to our agency.
When she is not helping our insureds with their audits, payments, or other insurance needs; Brenna enjoys exercising and spending time with family and pets. Brenna loves the beach! Fun fact: Brenna has 2 dogs, a cat, and an adorable bunny!!

07/21/2026

Our name says it all.
We specialize in COMMERCIAL coverage.
Just because an agency CAN provide a coverage, it doesn't mean that they SHOULD provide the coverage. Isn't your business important enough to get specialized knowledge and experience?

Likewise, we strategically partner with a PERSONAL only agency to refer our homeowners and auto requests (same logic applies). Reach out to us and we will be sure to provide the appropriate risk advice (or referral).

07/01/2026

We will be closed on July 3rd to allow our team to celebrate our country's independence. We hope that you and your family have a great July 4th holiday. Remember, Benjamin Franklin famously replied to a question regarding monarchy or republic with "A republic, if you can keep it!". Remember to celebrate and participate in keeping our independence.

05/29/2026

Commercial Insurance from a Commercial Insurance Agency... just common sense.

05/12/2026

NO MORE AUDITS???
Audits can be time consuming and frustrating.

We are excited to share that we have a liability carrier THAT DOES NOT PERFORM AUDITS!!!
Policies are rated at inception and renewal on number of employees. This is a great option from an A rated carrier that eliminates the end of term audit. The carrier also provides blanket versions of your required endorsements!

This carrier provide coverage for Carpenters, Mason, Plumbers, Electricians, Drywall contractors, Janitorial Services, Painters, Handymen, Window and Door Installation, landscaping, pool cleaning, HVAC contractors, and more. Contact us for more info on eligible operations.

Contact us at 813-524-0362 or [email protected] for more information on this fantastic product.

Additionally, for other auditable policies;
Our agency has a financial account manager whose job specifically focuses on helping you with your audit compliance. Contact Brenna at [email protected] for more information.

05/08/2026

04/14/2026

Today is Natalie's last day with our team. She has accepted an Associate Underwriting position, and while we're sad to see her go, we are very excited for her advancement and next chapter in her career.
Florida Commercial Insurance is very grateful for Natalie's hard work and dedication for our insureds.
We wish Natalie the very best in her future!!