2993 W 10th St, Panama City, FL 32401 Mon to Fri, 9 AM to 5 PM · (850) 872-8000

Commercial insurance

Insurance that keeps your doors open.

We help local businesses build a coverage plan that matches how they actually operate, then shop it across the carriers we represent.

A busy local coffee shop

General Liability

Covers injuries and property damage your business causes to others, plus the legal costs to defend a claim. Many landlords and clients require it before you can sign a lease or contract.

Commercial Property

Protects your building, equipment, inventory and furnishings, including wind coverage for coastal locations.

  • Buildings and improvements
  • Equipment and inventory
  • Business income after a covered loss
  • Equipment breakdown

Business Owner's Policy

A BOP packages general liability and property coverage into one policy, usually at a better price than buying them separately. A good fit for many small offices, shops and restaurants.

Commercial Auto

Coverage for vehicles your business owns or that employees drive for work, from a single service truck to a fleet.

Workers' Compensation

Pays medical bills and lost wages when an employee is hurt on the job. Florida requires most employers to carry it, and the rules are stricter for construction businesses.

More coverage

  • Commercial umbrella
  • Inland marine and tools
  • Professional liability (E&O)
  • Cyber liability
  • Surety and contractor bonds
  • Commercial flood

Availability depends on your business and our carrier appointments. [Agency to confirm which of these lines it writes.]

A brick-walled office with a long meeting table

Who we work with

Built for local business.

  • Contractors and trades
  • Restaurants and hospitality
  • Retail shops
  • Professional offices
  • Property owners and landlords
  • Marine and waterfront businesses

[Agency to confirm specialty industries.]

Get your business properly covered.