Business Insurance in Jacksonville, FL

We proudly serve businesses throughout Northeast Florida, including Orange Park, Ponte Vedra, St. Augustine, Atlantic Beach, and surrounding communities. We can also write business insurance anywhere in the state of Florida.

Coverage That Fits Your Company

Running a business comes with risk — but the right insurance can give you peace of mind.

At Augustyniak Insurance Group, we help local businesses in Jacksonville and across Florida protect what matters most. From retail shops to contractors and professional offices, we’ll help you find coverage that fits your needs and budget.

As an independent insurance agency in Jacksonville, we work with top insurance companies to compare rates and coverage — so you don’t have to. We’re here to make insurance simple, not stressful.

Our team understands Jacksonville’s business community because we’re part of it. Whether you're just getting started or growing fast, we’re ready to help protect what you’ve built.

Why Jacksonville Businesses Work with Us

We know Florida businesses face unique challenges. That’s why we take the time to learn about your company and recommend coverage that actually makes sense.

With nearly 2,000 Google reviews and a 4.9-star rating, we’re proud to be one of the most trusted insurance agencies in Florida. Business owners count on us for responsive service, honest advice, and reliable protection.

You’ll never feel like just another number here. Talk to one of our friendly team members and let’s find the right policy for you.

Types of Business Insurance We Offer

• General Liability Insurance – Covers you if someone gets hurt or their property is damaged because of your business.
• Commercial Property Insurance – Protects your building, equipment, inventory, and other physical assets.
• Business Auto Insurance – Coverage for vehicles used in your business, whether it’s one truck or a whole fleet.
• Commercial Umbrella Insurance – Adds extra liability protection when your other policies reach their limit.
• Workers Compensation Insurance – Helps cover medical bills and lost wages if an employee gets hurt on the job.
• Bonds – Surety and license bonds to help meet licensing requirements and give your clients peace of mind.

Let’s Protect Your Business — Get a Quote Today

Whether you’re a small startup or an established company, we’re here to help.

Reach out today to get a personalized quote for business insurance in Jacksonville, FL. We’ll walk you through your options and help you choose the right coverage — without the hassle.

What Our Clients Say About Their Business Insurance Experience

Small Business Insurance for Jacksonville Entrepreneurs

If you run a small business in Jacksonville, FL, you need the right insurance to protect your hard work. From sole proprietors and startups to family-run shops, we specialize in helping small businesses find affordable, reliable coverage. Whether it’s general liability, workers comp, or a Business Owners Policy (BOP), we’ll tailor your insurance to fit your goals, risks, and budget.

Frequently Asked Questions About Business Insurance in Jacksonville, FL

What type of business insurance do I need in Florida?

The coverage you need depends on your business type, size, and risks. Most Florida businesses need general liability insurance, and if you have employees, workers' compensation is required. Property insurance, commercial auto, and umbrella coverage are also common.

How much does business insurance cost in Jacksonville, FL?

Costs vary based on your industry, location, number of employees, and coverage limits. On average, small businesses in Florida can expect to pay between $500 and $2,500 per year for general liability insurance. We’ll help you compare carriers to find the best rate.

What is a Business Owners Policy (BOP)?

A Business Owners Policy bundles general liability and commercial property insurance into one convenient package. It’s a popular choice for small businesses because it offers solid coverage at a lower cost than buying each policy separately.

Is business insurance required in Florida?

Some types of coverage are required by law. For example, most businesses with employees must carry workers' compensation. If you use vehicles for business, commercial auto insurance is also required. Other coverages are optional but highly recommended.

Can I get business insurance if I work from home?

Yes! Even home-based businesses need insurance. A standard homeowners policy won’t cover most business-related claims, so we can help you get the right protection for your equipment, liability, and operations.

Last updated: May 2025

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