Business Insurance Quotes for Florida Companies
Orca Insurance Group is an independent agency in Winter Park, Florida. We shop your business insurance with multiple carriers and walk you through the options in plain English, from general liability and workers’ comp to commercial auto, property, cyber, and employee benefits.
Business Insurance We Quote
Every business has different risks. Here are the coverages Orca Insurance Group quotes most often for Florida businesses. Not sure what you need? Check the boxes that look close and we will sort it out on the call.
- General Liability and Business Owners Policy (BOP) for third-party injury and property damage claims. A BOP bundles general liability with property and business income coverage for many small businesses.
- Workers’ Compensation for employee injuries on the job, plus employer’s liability.
- Commercial Auto for vehicles your business owns, leases, or that employees drive for work.
- Commercial Property for your building, equipment, inventory, and tenant improvements.
- Professional Liability (E&O) for claims that your advice or services caused a client a financial loss.
- Cyber Liability for data breaches, ransomware, and the cost of notifying customers.
- Commercial Umbrella for extra liability limits above your other policies.
- Directors & Officers for leadership decisions at companies, nonprofits, and associations.
- Surety Bonds for license, permit, and contract requirements.
Employee Benefits, Too
Many owners want their business coverage and employee benefits handled in one place. We also quote group health insurance, dental, vision, voluntary benefits, key person life insurance, and PEO and payroll options.
How a Business Insurance Quote Works
1. Tell us about your business
Fill out the two-step form below. It takes about two minutes and covers the basics: what you do, where you are, and which coverage you want.
2. Talk with a licensed agent
A licensed agent calls you, usually the same business day, to confirm details and ask for your current policy and claims history if you have them.
3. Compare and decide
We compare quotes from the carriers we represent and walk you through the differences in coverage and price. You decide what to buy.
Start Your Business Insurance Quote
Two quick steps: your contact information, then a few questions about your business. A licensed agent will follow up to build your quote.
What to Have Ready
- A short description of what your business does and how long it has operated
- Number of employees and estimated annual payroll
- Estimated annual revenue
- Vehicles and drivers, if you need commercial auto
- Your current policy declarations pages and renewal date, if you are insured now
- Loss runs (claims history) for the past three to five years, if available
Don’t have everything? Start anyway. Your agent will tell you exactly what each carrier needs.
Why Florida Businesses Work With Orca
- Choice. As an independent agency we work with multiple insurance companies, so you can compare options side by side instead of taking one carrier’s offer.
- Local. Our office is at 2335 Temple Trail, Suite 5, in Winter Park. We work with businesses across Central Florida and throughout the state.
- One relationship. Business insurance and employee benefits from the same team, so nothing falls through the cracks at renewal.
- Help after you buy. We review your coverage at renewal and help you through claims.
Business Insurance FAQs
How much does business insurance cost in Florida?
It depends on your industry, payroll, revenue, location, claims history, and the limits you choose. Two businesses of the same size can pay very different amounts. The fastest way to get a real number is to fill out the form and let us quote it with several carriers.
Is workers' compensation required in Florida?
Generally, yes once you reach the state's thresholds. According to the Florida Division of Workers' Compensation, construction employers need coverage with one or more employees, and non-construction employers need it with four or more, counting non-exempt owners. Agricultural employers have separate thresholds. Check with the Division or your agent about your situation.
What is the difference between a BOP and general liability?
General liability covers claims that your business injured someone or damaged their property. A Business Owners Policy bundles general liability with commercial property and business income coverage, often at a lower cost than buying them separately. Not every business qualifies for a BOP.
How long does a business insurance quote take?
Many small-business quotes come back within a few business days once we have your information. Larger or specialized risks, such as contractors, transportation, or businesses with prior claims, can take longer.
Can you quote my employee benefits too?
Yes. Check the employee benefits options in the form, and we will include group health, dental, vision, or other benefits in the conversation.
Looking for personal or health coverage instead? Visit personal insurance, get a health insurance quote, or contact us.