720-791-2700
720-791-2700
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Florida's commercial insurance market is one of the most challenging in the United States. Windstorm exclusions, contractor bonding requirements, and an active surplus lines market mean most Florida businesses need a broker with specialized market access.
Florida combines hurricane and catastrophic weather exposure with a complex regulatory environment for commercial insurance — particularly for property and contractor risks. Crawford-Hill is licensed in Florida and understands the specific coverage structures, carrier requirements, and surplus lines rules that apply to Florida commercial operations.
Florida metro areas served: Tampa · Orlando · Miami · Jacksonville · Fort Lauderdale · Sarasota · Clearwater
Windstorm Coverage — The Most Common Florida Coverage Gap: Standard commercial property policies in Florida routinely exclude windstorm damage, particularly in coastal counties. Florida businesses must obtain separate windstorm coverage through an endorsement, Florida Citizens Property Insurance Corporation, or the surplus lines market.
⚠ Named Storm Deductibles: Many Florida commercial property policies carry percentage-based named storm deductibles — often 2% to 5% of insured value — rather than flat dollar amounts. On a $2 million commercial property, a 3% named storm deductible means $60,000 out-of-pocket before insurance pays. Crawford-Hill reviews deductible structures for all Florida commercial property clients at every renewal.
Contractor Bonding and Licensing Requirements: Specialty contractors require surety bonds starting at $5,000; certified general contractors require $50,000 or more. All licensed contractors must maintain current GL and workers' comp certificates on file with DBPR. Florida contractors who allow insurance to lapse risk automatic license suspension.
Florida Surplus Lines (FSLSO): All surplus lines placements in Florida are subject to a 4.94% surplus lines tax plus a 0.06% service fee. Crawford-Hill ensures all Florida surplus lines placements are properly documented, stamped, and FSLSO-compliant.
Crawford-Hill Insurance Agency is licensed in Florida and places commercial coverage for Florida-based operations and out-of-state businesses with Florida locations or vehicles.
Call: 720-791-2700 · Email: solutions@crawford-hillinsurance.com · Get a Free Commercial Coverage Review · Request a Quote
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