Commercial Insurance Built for Florida
Florida's economy is driven by tourism, construction, real estate, healthcare, and international trade through its ports. Hurricane and flood exposure dominate property placements, and the state's litigation climate demands carefully structured liability programs.
Cory Washington & Co. LLC is licensed in Florida and places coverage for businesses across the state — from general liability and commercial property to specialty lines most generalist agencies never touch. We work as advisors first: strategy and risk analysis before placement, then negotiation across carriers that actually compete for Florida business.
Workers’ Compensation in Florida
Florida requires workers' compensation for non-construction businesses with four or more employees; construction businesses must carry coverage with even a single employee.
Beyond the legal requirement, how a workers' compensation program is structured — classifications, experience mod management, payroll audits — directly drives what you pay. We review all of it before quoting. Requirements change; confirm current rules with the Florida Office of Insurance Regulation.
Industries We Serve in Florida
Hospitality Business Insurance
Hospitality business insurance protects hotels, motels, and venues from guest injuries, liquor liability, property damage, and lawsuits…
Contractor Business Insurance
Contractor business insurance protects construction companies and trades from job site injuries, property damage, equipment loss, and…
Real Estate Business Insurance
Real estate business insurance spans the whole sector — brokerages, agents, property managers, appraisers, developers, and title agencies —…
Restaurant Business Insurance
Restaurant business insurance protects bars, cafes, and food service businesses from liability claims, liquor exposure, equipment…
Commercial Flood Insurance
Commercial flood insurance covers damage to buildings, equipment, and contents caused by flooding, storm surge, or rising water that is not…
Condo Association Insurance
Condo association insurance protects the building through the master policy, the board through D&O, and the reserves through crime coverage…
Don't see your industry? We serve 500+ business types — browse all industries.
Coverage Available in Florida
- General Liability Insurance
- Workers’ Compensation Insurance
- Commercial Property Insurance
- Commercial Auto Insurance
- Professional Liability Insurance
- Cyber Insurance
- Business Owners Policy
- Umbrella or Excess Liability Insurance
- Directors & Officers Insurance
- Employment Practices Liability Insurance
Frequently Asked Questions
Is workers' compensation insurance required in Florida?
Florida requires workers' compensation for non-construction businesses with four or more employees; construction businesses must carry coverage with even a single employee.
Are you licensed to write business insurance in Florida?
Yes. Cory Washington & Co. LLC (NPN 21674625) is licensed in all 50 states, including Florida, and every placement is handled directly by our brokerage team.
How much does business insurance cost in Florida?
Premiums in Florida depend on your industry, payroll, revenue, claims history, and the lines you carry — there is no flat rate. The fastest way to an accurate number is a short conversation about your operations; we then negotiate terms across multiple carriers and present options with the trade-offs explained.