Business Coverage Built Around You
Navigating commercial insurance in Florida can be complex. FEI & GAC takes the guesswork out — as an independent agency, we shop multiple carriers to find the right coverage for your business, your industry, and your budget.
Protecting Your Business, Your Team & Your Future
Commercial insurance, also known as business insurance, protects your company, your employees, and your leadership from the unexpected losses that can derail even the most well-run business. Whether you are a sole proprietor, a growing small business, or an established mid-size company, having the right commercial coverage is not optional: it is essential.
FEI provides commercial insurance solutions to businesses throughout Tampa Bay and across Florida. As an independent agency, we are not tied to any single carrier, we shop multiple commercial insurance providers to find the right combination of coverage and value for your specific business, industry, and risk profile.
Our licensed commercial insurance agents take the time to understand your business before recommending coverage. We also offer key person insurance for business owners looking to protect their company against the loss of a critical employee or partner.
We proudly serve businesses throughout:
Who We Serve
We work with small and medium-sized businesses across a wide range of industries from: contractors and retail shops to professional services firms, healthcare providers, and hospitality businesses. If you operate a business in Florida, we can help.
Why an Independent Agency?
As an independent agency, we compare coverage and rates across multiple commercial insurance carriers, not just one. That means unbiased advice and a policy that truly fits your business, not the carrier's product line.
Speak With a Commercial Rep
Have questions about your specific business or industry? Email our commercial insurance team directly. We'll get back to you promptly with the answers you need.
Email Our Commercial TeamCommercial Insurance Coverage Types
We offer a comprehensive range of commercial insurance products. Our agents will work with you to identify which coverages are essential for your business and build a policy that provides complete protection.
Business Owners Policy (BOP)
A BOP bundles commercial property insurance with general liability — and sometimes professional liability — into a single, cost-effective policy. For most small and mid-size businesses, a BOP is the best starting point. Bundling these coverages together typically results in a meaningful discount over buying each policy separately.
General Liability
Protects your business from third-party claims of bodily injury or property damage — for example, if a customer is injured on your premises or an employee accidentally damages a client's property while working. A foundational coverage for virtually every business.
Commercial Property
Protects your business's physical assets — buildings, equipment, inventory, and furnishings — from fire, theft, vandalism, and other covered perils. For businesses that lease space, lessor risk policies are also available. Personal property can be added to your business policy as well.
Commercial Auto
Covers vehicles owned or operated by your business in the event of an accident. Depending on your needs, coverage options can include property damage, liability to others, and cover medical payments. Additionally, there are a wide range of coverage options to choose from like: hired auto, non-owned auto, and small business coverage.
Professional Liability (E&O)
Also known as errors & omissions insurance, professional liability protects your business if a client claims you provided inaccurate advice, made an error, or were negligent in delivering professional services. Essential for consultants, advisors, healthcare providers, and service-based businesses.
Workers Compensation
Provides medical expense coverage and lost wages to employees injured on the job. Workers' compensation requirements and coverage vary by state — our Florida agents will make sure your policy meets state requirements and accurately reflects the class of work performed by your team.
Cyber Liability
A specialized policy designed to protect your business from financial losses resulting from data breaches, cyberattacks, ransomware, and other digital threats — risks that general liability policies typically exclude entirely. Increasingly essential for any business that handles client data or operates online.
Commercial Umbrella
Provides an additional layer of liability protection above and beyond the limits of your existing general liability and professional liability policies — which typically cap at around $2 million. The umbrella policy activates once those underlying limits are exhausted, protecting your business assets against large claims.
Commercial Flood
Protects your business property and contents from flood damage — a risk that standard commercial property policies do not cover. Particularly important for Florida businesses in or near flood zones, where a single storm can cause devastating losses to both your building and the equipment inside.
Your Commercial Insurance Partner
We go beyond finding a policy: we become your long-term business insurance partner, reviewing your coverage as your business grows and your needs evolve.
We Understand Your Industry
Before recommending coverage, our agents take time to understand your specific business, industry, and risk profile. Every recommendation is tailored — not templated.
Multiple Carriers Compared
As an independent agency, we are not beholden to any single commercial insurance carrier. We shop the market to find you the right coverage at the most competitive rate available.
A Real Team, Not a Call Center
When you have a question, a claim, or a coverage change, you reach our team directly — the same agents who built your policy and who know your business personally.
Ready to Protect Your Florida Business?
Request a free, no-obligation commercial insurance quote. Our licensed agents will review your business, compare coverage options across multiple carriers, and build a policy that fits your needs and budget.
Speak With a Licensed Commercial Agent
Our commercial team is available Monday through Friday during business hours. We'd love to learn about your business and help you find the right coverage.
Land O Lakes, FL 34638
St. Petersburg, FL 33702