TBF Insure provides commercial insurance for businesses of all sizes across South Florida — from Fort Lauderdale and Boca Raton to Miami and West Palm Beach. As an independent agency, we have access to dozens of carriers including Travelers, Chubb, AIG, Markel, and Hartford, which means we shop the market on your behalf and build programs tailored to your specific risk profile. Whether you're a contractor in Broward County, a restaurant group in Miami-Dade, or a technology company in Palm Beach County, we have the expertise to structure the right commercial insurance program for your business.
General Liability Insurance
Every South Florida business needs GL coverage as its foundation. General Liability protects against third-party bodily injury, property damage, and personal injury claims — the daily operational risks every business faces. In South Florida's active business environment, GL coverage isn't optional.
Commercial Property Insurance in Miami-Dade, Broward & Palm Beach
Commercial property in South Florida faces unique risks: hurricanes, flooding, and a hard insurance market that has reshaped carrier availability. We work with carriers who understand the Tri-County market and can structure property programs that protect your building, contents, and business income.
Workers Compensation Insurance — Florida Requirements
Florida law requires workers compensation for most businesses with four or more employees (one or more in construction). Proper classification codes, experience modification factors, and carrier selection make a significant difference in your premium. We help South Florida employers get this right.
Cyber Liability Insurance for South Florida Companies
Cyber threats don't discriminate by business size. From ransomware to data breaches, South Florida businesses face real cyber risk. First-party and third-party cyber coverage addresses breach response costs, notification expenses, and liability claims — an increasingly essential line of coverage.
Employment Practices Liability (EPLI) — Protecting Your Business
EPLI covers claims arising from employment-related issues including wrongful termination, discrimination, harassment, and failure to promote. With South Florida's diverse workforce and active employment litigation environment, EPLI is a coverage gap many businesses discover too late.
Commercial Umbrella Insurance — Extra Protection When It Matters
When an underlying liability policy limit is exhausted, a Commercial Umbrella policy responds. It provides additional limits above your GL, Auto, and Employers Liability policies. For South Florida businesses with significant assets or operations, umbrella coverage is a critical safeguard.
Business Auto Insurance for South Florida Fleets
Whether you have one company vehicle or an entire fleet, commercial auto coverage protects your business from liability arising from vehicle use. This includes owned, hired, and non-owned vehicles — an often-overlooked exposure for businesses whose employees drive personal vehicles for work.
Industries We Serve in South Florida
We have deep experience across a broad range of industries throughout Miami-Dade, Broward, and Palm Beach County.
Restaurants & Hospitality Insurance South Florida
Construction Insurance Fort Lauderdale & Broward County
Real Estate & Property Management Insurance Palm Beach
Healthcare & Medical Office Insurance South Florida
Technology Company Insurance Boca Raton & Fort Lauderdale
Marine & Boat Dealer Insurance South Florida
Retail Business Insurance Tri-County Florida
Professional Services Insurance South Florida
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Commercial Insurance FAQs
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(954) 510-5555