Industry-Specific Insurance Solutions
Tailored Coverage for Your Business Needs
No two industries are alike—your insurance shouldn’t be either. At Pelican Shield Insurance Group, we provide customized insurance solutions designed to address the unique risks and challenges of your industry. Whether you’re a contractor, restaurant owner, property manager, or small business owner, we help ensure your business stays protected, compliant, and financially secure.
- Stay Compliant – Many industries require specialized insurance to meet legal or licensing requirements.
- Protect Your Assets – Secure your buildings, equipment, and inventory from theft, fire, or natural disasters.
- Minimize Liability Risks – Avoid costly lawsuits with coverage designed for your specific business operations.
Industries We Serve
Your business is unique—your insurance should be, too. We offer a full range of custom coverage options to protect every aspect of your operations.
- General liability insurance to protect against third-party injuries and property damage claims.
- Workers’ compensation coverage to keep your employees safe and your business compliant.
- Commercial auto insurance for work trucks, vans, and heavy equipment.
- Commercial property insurance to cover multi-unit buildings, rental complexes, and commercial properties.
- Loss of rental income coverage to protect against financial losses if tenants are displaced due to a covered event.
- Building ordinance coverage to help with code upgrades and rebuilding costs after property damage.
- Product liability insurance to protect against claims due to defective or hazardous products.
- Equipment breakdown coverage to ensure production lines and machinery are protected from costly failures.
- Business interruption insurance to cover lost income if operations are halted due to a covered event.
- Liquor liability insurance to cover alcohol-related claims and legal expenses.
- Business property insurance to protect your restaurant’s building, kitchen equipment, and inventory.
- Food contamination coverage to safeguard against spoilage and lost income from health-related closures.
- Product liability insurance to protect against claims related to cannabis product defects or adverse reactions.
- Crop & inventory coverage to safeguard cannabis plants, finished products, and business assets from theft, fire, or damage.
- Property and equipment insurance to cover dispensaries, grow operations, and processing facilities.
- Business owner’s policy (BOP) that combines general liability and property coverage in one policy.
- Cyber liability insurance to protect against hacking, fraud, and data breaches.
- Business interruption insurance to help cover lost revenue if a disaster forces your store to close temporarily.
Don’t see your industry? We have coverage for nearly every business type.
Get the Clarity You Need
Industry-Specific Insurance FAQs
Do I need separate commercial insurance policies for my business in Florida and Virginia?
Yes, insurance regulations vary between Florida and Virginia, and different policies may be required to comply with state laws. For example, Florida businesses in hurricane-prone areas may need additional windstorm coverage, while Virginia businesses may have different liability or workers’ compensation requirements. Our team ensures you have the right coverage for each state where you operate.
What type of insurance do I need as a contractor in Florida or Virginia?
General liability insurance is essential for contractors in both Florida and Virginia to protect against property damage, bodily injury claims, and job site accidents. Additionally, workers’ compensation insurance is required for most contractors with employees, and commercial auto insurance is necessary if you use company vehicles. We also offer builders’ risk insurance for construction projects.
How does liquor liability insurance protect my restaurant or bar in Florida and Virginia?
Liquor liability insurance covers legal expenses and settlements if your business is held responsible for injuries, property damage, or incidents involving intoxicated patrons. Florida and Virginia have different dram shop laws, which may affect your liability if an intoxicated customer causes harm. Having proper coverage helps protect your business from costly lawsuits.
Is windstorm and hurricane insurance required for commercial properties in Florida?
While not legally required, many commercial property insurance policies in Florida exclude windstorm and hurricane damage, making a separate windstorm policy necessary. Businesses in high-risk areas may also need flood insurance, which is not included in standard policies. We help Florida business owners secure the right storm protection for their properties.
What kind of insurance does a cannabis business need in Virginia?
With the expanding cannabis industry in Virginia, businesses need product liability insurance to protect against claims related to defective cannabis products. Crop and inventory coverage is also critical for growers, and property insurance is necessary for dispensaries and processing facilities. We specialize in custom cannabis business insurance solutions to meet Virginia regulations.
