Florida Business Insurance
As a Florida-based agency headquartered in Orlando, Garzor Insurance understands Florida's unique insurance landscape — from hurricane-prone coastal exposures to the booming I-4 corridor construction market. We've been protecting Florida businesses for 18 years, with deep expertise in trucking, commercial auto, contractors, and residential property insurance across all 67 counties.
Why Florida is different
- Headquartered in Orlando — local expertise across all 67 Florida counties
- Specialized in Florida wind and hurricane coverage for commercial properties
- Florida-specific workers' comp through FCCI, Employers, and AmTrust
- DOT and FMCSA filing specialists for Florida motor carriers
- Bilingual advisors (English & Spanish) for Florida's diverse business community
- Same-day COIs and fast-turnaround certificates for Florida contractors
Why Garzor Insurance
- 18 years serving Florida businesses from our Orlando headquarters
- 4.9/5 Google rating with 1,200+ verified reviews
- In-house claims advocacy — we fight for your claim, not the carrier's
- FL-specific carriers like Citizens, Florida Peninsula, Universal, Heritage
- Competitive wind/hail deductibles that many agencies can't offer
Regulatory notes
Florida requires workers' compensation for businesses with 4+ employees (construction: 1+ employee). Commercial auto liability minimums are $10,000/$20,000/$10,000 for standard, but most contracts require $1M CSL. Florida is a no-fault state requiring PIP coverage on all auto policies.
Carriers we place in Florida
- Progressive
- Nationwide
- Travelers
- FCCI
- Employers
- AmTrust
- Citizens
- Florida Peninsula
- Universal
- Heritage
- Bristol West
- Safeco
- Cover Whale
Industries we serve
- Contractors & Construction
- Trucking & Transportation
- Restaurants & Food Service
- Landscaping
- HVAC Companies
- Electricians
- Plumbers
- Roofers
- Auto Service & Repair
- Real Estate Investors
- Medical Offices
- Retail Stores
Get a free quote or call (321) 206-8035.