Commercial Insurance
We have all heard the saying “Failing to plan is the same as planning to fail”. Plan to succeed by adequately protecting your business with the help of a licensed, competent insurance professional at Smith & Thomas Insurance.
Commercial Insurance in Florida.
Running a business comes with risks—but the right insurance can give you peace of mind so you can focus on growth. At Smith Thomas Insurance, we help protect local businesses with customizable commercial insurance solutions that fit your needs and budget.
Whether you’re a small start-up, a family-owned shop, or a large and growing company with multiple locations, we’ll guide you through the coverage options that matter most.
Common Commercial Insurance Coverage:
General Liability Insurance – Protects against accidents, injuries, and property damage.
Commercial Property Insurance – Covers your building, equipment, and inventory.
Business Owners Policy (BOP) – A cost-effective bundle of property and liability protection.
Workers’ Compensation – Provides required coverage for employee injuries.
Commercial Auto Insurance – Keeps your business vehicles covered on the road.
Our independent agency works with multiple carriers to find competitive rates and reliable protection—so your business stays strong no matter what challenges come your way.
Industries we work with:
The following list includes examples of industries we work with and are commonly accepted by our carriers.
It is not an exhaustive list. Give us a call, and we’ll be happy to help you!
Artisan Contractors
- Alarm Installation, Service, or Repair
- Air Conditioning and Heating
- Carpentry, Millwork, etc.
- Concrete Construction, Paving, etc.
- Debris Removal: Construction Site
- Electrical work (within buildings)
- Excavation
- Fence Erection
- Floor Covering Installation
- Handyperson (Residential)
- Janitorial Services
- Lawn Care and Landscaping
- Masonry
- Painting (Interior and Exterior)
- Plaster and Stucco Work
- Plumbing
- Pressure Washing
- Swimming Pool Installation, Service, or Repair
- Tree Trimming
- and more!
Builder’s Risk
- Commercial Builder’s Risk available
Churches and other Houses of Worship
- Churches
- Synogogues
- Parsonages
- and more!
See our “Church” page for more detailed information.
Education and Childcare
- Daycares
- Schools
- Preschools
- Private Schools
- Tutoring Centers
- Other Schools
- Dance Studios
- Martial Arts Studios
- Music Schools
Healthcare and Medical
- Health Maintenance Organizations
- Home Healthcare
- Medical Offices
- Veterinarian Offices
Nonprofits
- Arts and Culture
- Charities
- Condo and HOAs
- Social Services
Offices
- Accounting Services
- Advertising & Marketing
- Architecture and Engineering
- Bookkeeping Services
- Creative Design and Graphics
- Financial Services & Planning
- Healthcare and Medical Offices
- Insurance Agent Offices
- Legal Services & Lawyers
- Payroll and HR Services
- Real Estate Agents
- Title and Property Agencies
Retail and Other Categories
- Barber Shops, Beauty Parlors, and Nail Salons
- Restaurants & Food Service
- Retail Stores
- Beer, Wine and Liquor Stores
- Cafes and limited cooking
- Catering
- Restaurants
Other
- Landlords
- Self-Storage Facilities
- Ticket Agencies
- Wholesalers
We love small, local businesses.
Big agencies often overlook small businesses — but we don’t. We work with carriers who specialize in policies with coverage limits under $1 million.
Whether you’re just starting out or scaling your local brand, our team makes it simple to get affordable general liability, property, and business-owner policies that actually fit your business.
Insurance Solutions for Larger Businesses
Whether you’re managing multiple locations, operating in specialized industries, or require higher liability limits, we offer tailored solutions to protect your assets and operations.
Our partnerships with top-tier carriers enable us to craft policies that address the unique risks faced by larger enterprises. From general liability and property insurance to workers’ compensation and professional liability, we ensure your business is covered against a wide range of exposures.
Get a Free Insurance Quote Today!
Call us at 863-688-1141 or request your quote online today.