Auto-Owners Agent in Jacksonville FL | Augustyniak Insurance

Last updated April 2026.

Your Local Auto-Owners Agent in Jacksonville, FL

Auto-Owners Insurance only sells through independent agents. You cannot buy a policy from them directly. If you want Auto-Owners coverage in Jacksonville, you need a local agent who represents them.

That's us. Augustyniak Insurance Group has been an Auto-Owners agent in Jacksonville since 2005. We represent them alongside 80+ other carriers, and we place a lot of policies through them.

We chose Auto-Owners because their claims reputation, financial strength, and business insurance lineup match the standard we hold for our clients. They've been around since 1916, headquartered in Lansing, Michigan.

They serve nearly 3 million policyholders across 26 states. Learn more at auto-owners.com.

Their AM Best rating is A+ (Superior). That's the second-highest rating available, and it means they have the financial reserves to pay claims even after a catastrophic event year.

Call us at (904) 268-3106 or request a quote online.

Business Insurance Through Auto-Owners in Jacksonville

This is where Auto-Owners stands out in our carrier lineup. If you own a business in Jacksonville, Orange Park, St. Augustine, or anywhere in North Florida, we can build a business insurance program through Auto-Owners that covers your entire operation. As your local Auto-Owners agent in Jacksonville, we handle the quoting, the paperwork, and the claims advocacy.

We handle all types of business coverage with Auto-Owners, including:

• General Liability Insurance.
  Protects your business if a customer, vendor, or visitor is injured on your property or by your work. Also covers property damage your business causes to others. Whether you run a retail shop on San Jose Boulevard or a service company covering all of Northeast Florida, general liability is the foundation of your business insurance.
• Commercial Auto Insurance.
  Covers vehicles owned by your business. Also covers rental cars and employee-owned vehicles used for work (called hired and non-owned auto). Auto-Owners offers liability, physical damage, roadside assistance (24/7 at 1-888-TOW-AOIC), and rental reimbursement. Flexible enough for a single work van or a fleet of service vehicles. Learn more about commercial auto insurance.
• Business Owners Policy (BOP).
  Bundles commercial property and general liability into one policy for small to mid-size businesses. Often costs less than buying each coverage separately. A strong option for offices, retail shops, and service businesses.
• Workers Compensation Insurance.
  Florida generally requires workers comp for businesses with four or more employees (one or more in construction). Some exemptions exist for corporate officers and sole proprietors. Auto-Owners writes workers comp across a wide range of industries. See our workers compensation page for details on Florida requirements.
• Commercial Umbrella Insurance.
  Adds liability protection above your general liability, commercial auto, and workers comp policy limits. Auto-Owners offers commercial umbrella limits up to $5,000,000, with higher limits available by request.
• Inland Marine Insurance (Tools & Equipment Coverage).
  Despite the name, this has nothing to do with boats. Inland marine covers tools, equipment, and business property in transit or stored off-site. Critical for contractors, landscapers, and service businesses that haul expensive gear to job sites across Jacksonville.
• Commercial Property Insurance.
  Protects your building, inventory, machinery, and equipment from fire, windstorm, theft, and vandalism. With Florida's hurricane exposure, proper commercial property coverage isn't optional. Compare commercial property options.
• Cyber Liability Insurance.
  Covers your business after a data breach, ransomware attack, or other cyber incident. Auto-Owners' cyber package includes breach response services and access to experienced incident response professionals.
• Crime Insurance.
  Protects against employee theft of money, securities, and physical property.
• Employment Practices Liability (EPLI).
  Covers claims for wrongful termination, discrimination, harassment, and other employment disputes. Includes access to an employment practices legal advice hotline.
• Business Income / Business Interruption.
  Covers lost income and extra expenses if a covered loss forces you to shut down temporarily. After a hurricane or fire, this is the coverage that keeps your business alive while you rebuild.

Industries We Insure Through Auto-Owners

We write business insurance for a wide range of Jacksonville businesses, including contractors (plumbing, HVAC, electrical), landscaping and lawn care companies, restaurants and food service, retail and service businesses, offices and professional firms, auto repair shops, and manufacturers.

Not sure whether Auto-Owners is the right fit for your business? Call us. We represent 80+ carriers for business insurance and will match you with the right one.

Does Auto-Owners Write Personal Auto Insurance in Florida?

Yes, and it's one of the strongest values in our carrier lineup. Through Auto-Owners, we write liability coverage (bodily injury and property damage), collision and comprehensive, uninsured/underinsured motorist protection (covers you if the other driver has no insurance or not enough), medical payments, rental reimbursement, and roadside assistance.

Auto-Owners also offers multi-policy discounts, paid-in-full discounts, and claims-free record discounts. Their claims process is consistently rated among the best in the industry.

Whether you're commuting across the Buckman Bridge, driving your teenager to school, or road-tripping out of state, your Auto-Owners auto policy travels with you. Compare auto insurance rates from multiple carriers.

Does Auto-Owners Write Renters Insurance in Jacksonville?

Yes. If you rent an apartment or house in Jacksonville, renters insurance through Auto-Owners is one of the smartest purchases you can make. For roughly $15 to $30 per month, you get coverage for your personal belongings and liability protection.

It also covers additional living expenses if your rental becomes uninhabitable after a covered loss.

Your landlord's policy covers the building. It does not cover your furniture, electronics, clothing, or anything else you own. Renters insurance fills that gap. It also covers your belongings if they're stolen from your car or damaged while traveling.

We write renters policies throughout Jacksonville, including near UNF, the Southside, Mandarin, and the Beaches. It's affordable, easy to set up, and takes about 10 minutes over the phone.

Does Auto-Owners Write Umbrella Insurance in Florida?

Yes. An Auto-Owners personal umbrella policy adds an extra layer of liability protection above your auto and renters (or homeowners) policy limits. If you're found liable for a serious car accident, a dog bite, or an injury on your property, costs can exceed your standard policy limits quickly.

Umbrella coverage through Auto-Owners starts at $1,000,000 in additional liability protection. It's surprisingly affordable for the amount of coverage it provides. Learn more about umbrella insurance in Florida.

If you have savings, investments, or future income to protect, an umbrella policy is worth a conversation with our team.

Does Auto-Owners Write Life Insurance?

Yes. Auto-Owners offers both term life and whole life insurance. Whether you need a 20-year term policy to cover your mortgage and your children's college years, or a permanent whole life policy that builds cash value, we can help you find the right fit.

A quick conversation with our team can help you understand what amount of coverage makes sense for your situation and what it actually costs. It's usually less than people expect. Explore your life insurance options.

Does Auto-Owners Write Homeowners Insurance in Florida?

How Auto-Owners Claims Work

One of the biggest reasons we recommend Auto-Owners is their claims process. They've been recognized nationally for outstanding claims handling in both auto and homeowners lines.

• 24/7 claims reporting.
  File a claim any time, including weekends and holidays.
• Digital tracking.
  Monitor your claim status online through your Auto-Owners customer center so you always know where things stand.
• Fast, fair payments.
  Auto-Owners is known for resolving claims quickly without dragging out the process.
• Florida-ready claims teams.
  Their adjusters are prepared for Florida-specific events, including hurricanes and tropical storms. When storm season hits, response times matter.

Our team at Augustyniak Insurance advocates for you through every step of the claims process. We don't disappear after we sell you a policy. Whether you're in Mandarin, Ponte Vedra Beach, or Fleming Island, your Auto-Owners agent in Jacksonville is a phone call away.

Auto-Owners Discounts Available in Florida

Auto-Owners offers several ways to lower your premium. Ask our team which ones apply to your policy.

• Multi-policy discount.
  Bundle your auto with an umbrella, renters, or life policy for premium savings on both.
• Paid-in-full discount.
  Pay your annual premium in one lump sum and save on installment fees.
• Claims-free discount.
  A clean claims record over the past several years can reduce your premium.
• Association discount (business policies).
  If your business belongs to a chamber of commerce, credit union, or trade association, you may qualify for additional savings on your business policy.
• Life policy discount (business policies).
  Carry a qualifying Auto-Owners life insurance policy alongside your business coverage for an additional premium reduction.

Not sure which discounts apply to you? Our team will identify every savings opportunity when we quote your policy. Most clients qualify for at least two.

Frequently Asked Questions

Is Augustyniak Insurance an Auto-Owners agent in Jacksonville?

Yes. Augustyniak Insurance Group is an authorized Auto-Owners agent in Jacksonville, Florida. We write business insurance (all types), personal auto, renters, umbrella, and life insurance through Auto-Owners.

Can I buy Auto-Owners Insurance directly?

No. Auto-Owners sells exclusively through independent agents. You need a local agent like Augustyniak Insurance to get an Auto-Owners policy in Jacksonville.

What types of business insurance does Auto-Owners offer in Florida?

Auto-Owners writes general liability, commercial auto, business owners policies (BOP), workers compensation, commercial umbrella, inland marine, commercial property, cyber liability, crime, employment practices liability, and business income coverage in Florida.

Does Auto-Owners write homeowners insurance in Florida?

Homeowners availability through Auto-Owners is currently limited in Florida due to market conditions. We can help you find homeowners coverage through other A-rated carriers we represent.

How do I get an Auto-Owners quote in Jacksonville?

Call us at (904) 268-3106 or submit a quote request on our website. We'll ask a few questions about your needs and provide a personalized quote, usually the same day.

Does Auto-Owners offer multi-policy discounts?

Yes. Auto-Owners offers multi-policy discounts, paid-in-full discounts, claims-free discounts, and association discounts for qualifying organizations like chambers of commerce and credit unions.

What is Auto-Owners' financial strength rating?

Auto-Owners carries an A+ (Superior) rating from AM Best. That is the second-highest rating available and reflects exceptional financial strength to pay claims.

Does Augustyniak Insurance only sell Auto-Owners?

No. We are an independent agency representing 80+ insurance carriers, including Nationwide, Progressive, AAA, and many others. We recommend Auto-Owners when it's the best fit, but we always compare multiple carriers to find the right coverage at the right price for you.

Why Augustyniak Insurance Group?

We've been serving Jacksonville families and businesses since 2005. Our agency has earned over 2,250 five-star Google reviews with a 4.9-star rating. We've been named a Three Best Rated insurance agency in Jacksonville for 12 consecutive years, from 2014 through 2025.

As an independent agency, we are not locked into one carrier. We represent 80+ insurance companies and compare options on your behalf. When Auto-Owners is the best fit, we'll tell you. When another carrier is stronger for your situation, we'll tell you that too.

View our Auto-Owners carrier page or browse all the companies we represent.

We also serve Orange Park, St. Augustine, Ponte Vedra Beach, Fleming Island, Mandarin, Jacksonville Beach, and clients throughout all of Florida. We are additionally licensed in Georgia.

Susan Augustyniak, CIC

Vice President, Augustyniak Insurance Group

Certified Insurance Counselor with 25+ years of experience in personal and business insurance. Susan leads the Augustyniak Insurance team in Jacksonville, FL, helping families and business owners find the right coverage from 80+ carriers.
Published December 2024. Last reviewed April 2026.