Commercial Insurance for Orlando & Central Florida Businesses

Running a business in Central Florida comes with unique risks — from hurricane damage and liability claims to employee injuries and cyber attacks. The right commercial insurance package protects your investment, your employees, and your ability to keep operating when things go wrong.

As an independent agency, Orca Insurance Group works with multiple commercial carriers to build a customized insurance package that fits your industry, your size, and your budget. We don't believe in one-size-fits-all policies — every Orlando business is different, and your coverage should be too.

Commercial Coverage We Offer

• Business Owner Policy (BOP) — Bundles general liability and property coverage at a lower cost than buying them separately. Ideal for small to mid-size businesses.
• General Liability — Covers third-party bodily injury, property damage, and advertising injury claims against your business.
• Workers' Compensation — Required in Florida for businesses with 4+ employees. Covers medical costs and lost wages for workplace injuries.
• Commercial Auto — Covers vehicles used for business purposes, including company cars, trucks, and fleet vehicles.
• Cyber Liability — Protects against data breaches, ransomware, and other digital threats.
• Professional Liability (E&O) — Covers claims of negligence, errors, or omissions in professional services.
• Surety Bonds — Required for contractors, auto dealers, and other licensed professionals in Florida.

Industries We Serve in Orlando

We work with businesses across a wide range of industries in the Orlando metro area, including:

Frequently Asked Questions