From architects and engineers to general contractors and roofers, Commercial Insurance Specialists, with our team of licensed independent agents, serve a variety of industries throughout the Southwest and Central Florida areas. Our agents are committed to providing the best coverage at the best possible rates that will protect your business and professional reputation from covered perils, so you can focus on serving customers.
Industries We Serve
Commercial Insurance Specialists provides comprehensive insurance coverage from leading insurers for many types of businesses, ensuring you are fully protected. Our coverage includes:
Architects
Architects face risks of lawsuits claiming professional negligence and design flaws. Insurance for architects needs to cover professional liability (E&O) to protect against these claims if your blueprint results in a structural issue, as well as general liability for any on-site accidents.
Electricians
Working in the electrical trade, there is a high risk of property damage and injury from electrocution, fire, or other hazards. Electricians should have general liability to cover these risks and workers' compensation, which is mandatory for many Florida businesses.
Engineers
With sophisticated work often involving complex, large-scale projects, any error can prove to be a costly mistake for engineers. Professional liability (E&O) insurance is essential to cover a sole proprietor or an engineering firm against claims of errors, omissions, or other negligence that could lead to substantial financial loss.
Excavation and Land Grading
The excavation and land grading field relies on the use of heavy machinery and equipment, which creates a high risk of accidents. Commercial insurance covers general liability for property damage to a third party (like knocking down a utility pole), commercial auto for your specialized vehicles, and other policies necessary for full coverage.
General Contractor
As the head of a project, general contractors face liability for every aspect of their work and that of their subcontractors. That’s why a general liability policy that covers a wide range of third-party risks, from on-site injuries to property damage, as well as workers' compensation for your employees, is not only a must but a legal requirement in Florida.
Home Inspectors
Even a home inspector faces some degree of risk from claims of professional negligence. In Florida, home inspectors are legally required to carry both professional liability (E&O) and general liability insurance to ensure they have the financial resources to satisfy claims of bodily injury, property damage, and professional negligence.
HVAC Contractors
Heating, ventilation, and air conditioning (HVAC) contractors work in an environment that exposes the company to liability and safety risks. A comprehensive insurance package for HVAC contractors should include a general liability policy to cover potential property damage and workers' compensation for on-the-job injuries, as well as an inland marine policy for tools and equipment in service vehicles.
Landscapers
The landscaping business requires the use of sharp tools and heavy machinery, which can lead to on-site accidents and property damage to clients or other parties. Complete coverage for landscapers typically includes general liability to cover property damage and on-site injuries, along with commercial auto insurance for work vehicles and trailers.
Locksmiths
Due to the sensitive nature of a locksmith’s work, professional liability (E&O) is essential to protect against claims of negligence. You also need commercial auto and general liability insurance to cover everyday risks that could result in property damage or injury to a third party.
Masonry & Concrete
Masonry and concrete professionals must handle heavy materials, work on scaffolding, and use machinery and equipment that could be dangerous. A general liability for third-party property damage and bodily harm, workers' compensation for employees, and inland marine insurance are essential to protect valuable equipment, tools, and supplies.
Paving & Asphalt
Working with high-temperature materials and heavy equipment on public roads poses significant risks for workers in the paving & asphalt industry. General liability insurance is essential to cover against claims of property damage and workers' compensation for on-the-job injuries. Additional insurance is also necessary to protect your company vehicles and expensive road equipment.
Plumbers
Plumbers must work with water and gas lines under pressure, exposing them to potentially significant liability. A plumber's commercial insurance policy should include general liability to cover leaks or burst pipes, commercial auto for your work van, and inland marine insurance for your expensive tools, supplies, and equipment.
Pool & Spa Contractors
Pool and spa contractors face a number of risks, from on-site injuries to property damage caused by faulty installations. In Florida, you are legally required to carry general liability and workers' compensation insurance that meets the state’s minimum policy limits. An equipment floater is also essential for covering the loss of equipment, supplies, and products in your service vehicles.
Roofers
Considered an industry with the highest risks, roofers face perils from ladder falls and other on-site accidents. In addition to workers' comp, roofing companies also need a general liability policy to cover property damage that can occur during a job.
Get Your Free Commercial Insurance Quote Today!
Commercial Insurance Specialists is a locally operated, family-owned independent insurance agency with three convenient office locations and a service area that extends from Sarasota-Bradenton to Tampa-St. Petersburg and Lakeland, Florida. Contact us today for a free, no-obligation commercial insurance quote! We understand that choosing the right insurance is a big decision, and we're here to provide you with the information you need to make the best choice for your business.
