Services

Commercial Insurance for South Florida Businesses

Running a business comes with risk. Our job is to protect you from it. Fulton Agency helps small businesses in Deerfield Beach, Boca Raton, Fort Lauderdale, Coral Springs, Pompano Beach and beyond stay protected with smart, simple coverage that fits your operation and your budget.

Two businesspeople review documents on commercial auto insurance in South Florida.
Two people in business attire smiling and talking about commercial auto insurance.

Insurance That Works as Hard as You Do

From company cars to customer lawsuits, you’ve got enough on your plate. We help you cover the risks that could slow you down—or shut you down.

As a local, independent agency, we understand the challenges Florida businesses face and can help you find the right coverage with top carriers at competitive rates.

What’s Included

Our Business Insurance Services

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Commercial Auto Insurance

Keep your work vehicles on the road and protected from damage, theft, and liability. Whether you own one van or a whole fleet, we’ll help you get the right policy.

A collapsed metal roof covers a car and brick building at South Florida businesses.

General Liability Insurance

Accidents happen. This coverage helps protect your business from lawsuits, property damage, and injury claims.

Tall city office buildings reach into the sky, highlighting commercial property coverage from an independent insurance agency in South Florida.

Commercial Property Insurance

Whether you own or lease your space, this policy covers buildings, equipment, inventory, and more.

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Workers Compensation Insurance

If an employee gets hurt on the job, workers comp helps cover medical bills and lost wages—while keeping you compliant with Florida law.

Why Work With Us

Why Fulton Agency is the Right Partner for Your Business

We Know Local Business

From retail to construction, restaurants to real estate—we’ve helped insure hundreds of Florida businesses just like yours.

We Shop, You Save

We partner with Progressive, Geico, Travelers, Nationwide, and more—so we can compare policies and pricing that match your needs.

Real Support from Real People

We’re not a chatbot or a corporate hotline. You’ll get direct help from a licensed agent who understands your risks and cares about your business.

Frequently asked questions

Commercial Insurance FAQs

What’s the difference between general liability and professional liability?

General liability covers physical risks (like slips and falls). Professional liability covers service errors or advice that causes a financial loss.

How much commercial auto coverage do I need?

It depends on your business type, vehicle use, and the number of drivers. We’ll guide you through choosing the right limits.

Is commercial property insurance required?

It’s not legally required, but highly recommended—especially if you lease, own property, or rely on valuable equipment.

Do I need workers comp if I only have a few employees?

Yes. In Florida, most businesses with four or more employees must carry workers comp. Construction companies must carry it even with one employee.

Can I bundle business policies?

Yes. We can bundle liability, property, and other coverages under one Business Owners Policy (BOP) to save you money.

Will my rate change if I grow my team or buy equipment?

Possibly. We recommend reviewing your policy regularly so your coverage grows with your business.

Let’s Protect Your Business

We make it easy to get the right coverage with expert advice, local service,
and no-nonsense quotes.