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Lisa Faina Agency
Commercial insurance in Cooper City, FL
— Business · CommercialCommercial Insurance

Commercial coverage for South Florida businesses

— for the way you actually operate.

Your business is unique — your policy should be too

Commercial insurance isn't one-size-fits-all. A landscaping company in Cooper City has different exposures than a retail storefront in Plantation or a contractor in Davie. Coverage that's right for one can leave the other dangerously exposed.

We sit down with each business owner, walk through your actual operations, employees, vehicles, and physical space, and build a policy that matches your real risk — not a template. Premiums vary because exposures vary, and we'd rather explain the difference than sell you the wrong policy.

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Coverage

Coverage for the way you actually operate

From a sole proprietor to a growing team, here's what we typically build into a complete commercial policy.

  • General Liability
  • Commercial Property
  • Workers' Compensation
  • Commercial Auto
  • Business Interruption
  • Cyber Liability
FAQ

Frequently Asked Questions

What insurance does my Florida small business legally need?
It depends on your structure and operations. Florida requires workers' compensation for most businesses with four or more employees (one or more in construction). Commercial auto is required if your business owns vehicles. General liability isn't legally mandated in most cases, but landlords, clients, and contractors often require it. We walk through your specific operations to map what's required vs. what's smart.
Why is commercial insurance more expensive than personal insurance?
Commercial policies cover larger liability exposures, more property value, and the added risk that comes with employees, customers on premises, and revenue interruption. The difference in cost reflects a real difference in coverage scope — getting it wrong can mean an uncovered lawsuit ends a business.
Does my homeowners insurance cover my home-based business?
No, with rare exceptions. Homeowners policies exclude business activity, business equipment over a small limit, and any liability claims related to clients or customers visiting your home. If you're running a business out of your home, you need either a home business endorsement or a separate commercial policy.
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Protecting Broward County businesses for 35+ years

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