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Monday 8am - 4pm Tuesday 8am - 4pm Wednesday 8am - 4pm Thursday 8am - 4pm Friday 8am - 1pm

Florida Commercial Insurance Agency

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Florida Commercial Insurance Agency

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Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Florida Commercial Insurance Agency, Insurance Agent, 5954 Frond Way, Apollo Beach, FL.

Florida Commercial Insurance Agency writes Workers Compensation, General Liability, Business Auto, Equipment, Sureties, Property, and other insurance for all risks in Florida.

10/15/2026

Tip Thursday: Contract Bond vs. License Bond

Ever wondered what the difference is between a contract bond and a license bond? Both are types of surety bonds, but they serve different purposes.

License Bond: Required by a state or local government, this bond guarantees that a business or contractor will follow the laws and regulations connected to their license.

Contract Bond: This bond guarantees that the contractor will complete the terms of their contract for a specific project.

Two common types of contract bonds are:

Performance Bond: Protects the project owner by guaranteeing the contractor will complete the work according to the contract’s terms.

Payment Bond: Protects subcontractors and suppliers by ensuring they will be paid for their labor and materials.

Requirements vary by state and by project.

Not sure which bonds your business needs? Ask your insurance agent.

Follow for more insurance tips!

10/08/2026

Tip Thursday:

Think your general liability policy covers pollution? Most likely, it doesn't.

Pollution liability is its own policy. Almost every general liability (CGL) policy excludes it.

Here's the difference:

General liability covers third-party property damage and bodily injury claims.

Pollution liability pays to remove the contaminant and repair the damaged property caused by the pollution problem.

Contractors pollution liability also covers property damage and bodily injury from a pollution incident, plus the cost of defending the claim.

Businesses that often need it include:
• Excavation Contractors
• General Contractors
• Plumbers
• Painters
• Roofing Contractors
• HVAC Technicians
• And more

Not sure if your business needs it? Talk to your agent. Better to find out now than after a claim.

Follow for more insurance tips! 💨

10/01/2026

TIP THURSDAY

Is my damaged equipment covered on my General Liability policy?

This is a question we hear often. General Liability covers claims involving other people or their property. It does not typically cover damage to your own business equipment.

That’s where Inland Marine Insurance can help.

Inland Marine can cover things like:

• Electronics and equipment
• Property being transported or moved
• Tools and miscellaneous property
• Equipment used away from your business

If you have equipment that moves around with you or travels to different job sites, it’s worth checking to make sure you have the right coverage.

Follow for more commercial insurance tips!

09/24/2026

TIP THURSDAY

Has your business changed since you purchased your commercial policy?

A mid-term exposure review helps make sure your coverage still matches your business and can catch changes that could lead to costly coverage gaps or surprises at audit time.

We care about protecting our client’s businesses all year long, not just at renewal.

Follow for more commercial insurance tips. We’re here to help!

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.

Address

5954 Frond Way
Apollo Beach, FL
33572

Opening Hours

Monday	8am - 4pm
Tuesday	8am - 4pm
Wednesday	8am - 4pm
Thursday	8am - 4pm
Friday	8am - 1pm

Website

http://www.commercial-ins.com/

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