Business Insurance in Florida & Virginia

Flexible Insurance for Local Businesses

Business owners in Florida and Virginia face different challenges—from windstorm risks in coastal zones to contractual liability requirements in metropolitan areas. Having the right coverage in place helps minimize exposure to lawsuits, property loss, or operational downtime.

Pelican Shield Insurance Group works with a network of carriers to provide business insurance policies tailored to specific industries and regulatory requirements. Our goal is to help you select appropriate coverage that fits your business size, structure, and location.

Comprehensive Business Insurance Solutions

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.

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Covers buildings, equipment, and inventory from fire, storms, theft, and vandalism, including hurricane and windstorm coverage for Florida businesses.

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Provides medical coverage and lost wages for employees injured on the job while keeping your business compliant with state laws.

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Protects against data breaches, hacking, and cyberattacks, covering legal costs, notification expenses, and reputation management.

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Shields consultants, contractors, and service-based businesses from claims of negligence, errors, or omissions.


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Protects against third-party injuries, property damage, and lawsuits, ensuring your business stays financially secure in case of claims.

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Provides coverage for company vehicles, delivery trucks, and service vans, protecting against accidents, theft, and liability claims.

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Required for restaurants, bars, and venues serving alcohol, protecting against alcohol-related claims and lawsuits.


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Provides extra liability protection beyond your general liability, auto, and workers’ comp policies, ensuring your business is covered against large, unexpected claims.

Get the Clarity You Need

Business Insurance FAQs

  • Do I need workers’ compensation insurance if I only have a few employees?

    Yes, in Florida and Virginia, businesses with a certain number of employees are legally required to carry workers’ compensation insurance. In Florida, most construction businesses must have it if they have one or more employees, while other industries require it at four or more employees. Virginia mandates it for businesses with two or more employees. Even if it’s not required, workers’ comp helps protect your business from costly claims and medical expenses.

  • What type of insurance do I need if my business serves alcohol?

    If you own a restaurant, bar, or venue that serves alcohol, you need liquor liability insurance. This coverage protects you from claims related to alcohol-induced incidents, such as property damage, fights, or accidents caused by an intoxicated customer. Some states, including Florida and Virginia, require businesses to carry this coverage to comply with dram shop laws.

  • Will my general liability insurance cover damage to my business property?

    No, general liability insurance covers third-party claims like customer injuries or property damage you cause to others, but it does not cover damage to your own business property. To protect your building, equipment, and inventory from fire, storms, theft, or vandalism, you need commercial property insurance.

  • What is cyber liability insurance, and does my business really need it?

    Cyber liability insurance protects businesses from data breaches, hacking incidents, and cyberattacks. If you store customer data, process payments, or rely on technology, this coverage helps cover legal fees, notification costs, and potential lawsuits if sensitive information is compromised. Even small businesses are targeted by cybercriminals, making this coverage essential.

  • How much commercial auto insurance do I need for my business vehicles?

    If your business owns, leases, or regularly uses vehicles, you need commercial auto insurance to cover accidents, liability claims, and vehicle damage. In Florida and Virginia, the required minimum coverage varies, but businesses typically need higher liability limits than personal policies provide. If employees drive personal vehicles for work, you may also need hired and non-owned auto insurance.