Small Business Insurance for Florida's Main Street
Small Business Insurance for Florida's Main Street
Insurance Built for Florida's Small Businesses
Half of what Merchant Insurance, Inc writes isn't construction — it's Main Street businesses like retail shops, professional practices, real estate offices, restaurants, and other local businesses across Florida.
We take the same consultative approach with every account: understand how your business operates, identify its risks, and then help you find small business insurance built around what you actually need.
Insurance for Florida's Retail, Service & Professional Businesses
We work with a wide range of small and mid-sized Florida businesses, including retail stores, accounting and consulting firms, real estate businesses, restaurants and hospitality operators, property managers, and other Main Street businesses.
Whether you have a storefront, professional office, employees, company vehicles, or customers visiting your location, we'll help you determine what coverage makes sense for your business.
Coverage for the Risks Small Businesses Face
Homeowners often worry about whether their policy truly protects them from storm damage, liability issues, or costly repairs after an unexpected event. Our personalized approach helps families understand their coverage clearly while finding practical options that fit both their home and budget.
Home Insurance
General Liability Insurance
Helps protect your business against customer injuries, property damage, and other covered third-party liability claims.
Commercial Auto Insurance
Coverage for company vehicles, delivery vehicles, and small business fleets.
Workers' Compensation
Coverage for employees and workplace injuries based on your business operations and employee classifications.
Other Commercial Coverages
Depending on your business, coverage may include commercial property, professional liability, umbrella insurance, and other protections.
Why Florida Small Businesses Choose Us
01
Commercial Insurance Is All We Do
Merchant Insurance, Inc focuses 100% on commercial insurance. That means your small business isn't competing for attention with personal auto, homeowners, or other personal insurance accounts.
02
We Learn About Your Business Before We Quote It
A retail store doesn't have the same risks as a restaurant, real estate office, or consulting firm. We take time to understand your operations and exposures before approaching carriers so your coverage reflects the business you actually run.
03
Main Street Businesses Are a Major Part of Our Business
Roughly half of our book consists of businesses outside the construction industry. Retail, professional services, hospitality, real estate, and other Main Street businesses are a core part of who we serve.
Proof of Insurance When You Need It
Need a certificate of insurance for a landlord, client, or vendor? EasyCOI.com gives you a convenient way to request proof of coverage without waiting for office hours.
Small Business Insurance Across Florida
We serve small businesses throughout Florida from our Bonita Springs and Miami offices, including businesses in Naples, Coral Gables, Fort Myers, Hialeah, and surrounding communities.
Florida Small Businesses, Real Experiences
Two Florida Offices, One Team
Reach Our Team Directly
Prefer to reach out online? Complete the inquiry form below, and your message will go directly to our team.
Small Business Insurance Built Around Your Business
Your business doesn't fit a generic template, and your insurance shouldn't either. Tell us how your business operates, and we'll help you identify coverage based on your actual risks and needs.