Most small businesses are protected by a few core policies: general liability, commercial property (your buildout, equipment and inventory), and — depending on what you do — professional liability, cyber, liquor liability or commercial auto. Many carriers package the first two into a Business Owners Policy (BOP) for eligible businesses.
Ricardo's approach is simple: tell him what you do, what your lease and contracts require, and what keeps you up at night. He'll come back with options and a plain-English explanation of what each one covers, in English or Spanish.
Who this is for
- Retail shops and boutiques
- Restaurants, cafés, food trucks and caterers
- Salons, barbershops and spas
- Professional offices and consultants
- Cleaning, maintenance and property-service companies
- Auto repair, detailing and small shops
What this coverage typically addresses
General liability
Customer injuries, property damage you cause and related legal costs.
Commercial property
Buildout, furniture, equipment, inventory and signage — including wind and hurricane considerations that matter on the Gulf Coast.
Business income
Lost revenue and ongoing expenses if a covered event shuts you down.
Professional liability (E&O)
For businesses that give advice or perform services where a mistake can cost a client money.
Cyber liability
Data breaches, ransomware and the notification costs that follow.
Liquor liability, equipment breakdown, spoilage
Industry-specific coverages Ricardo will flag when they apply to you.
What Ricardo will ask you for
Have these ready and the quote goes smoother. Don't have everything? Call anyway — Ricardo will tell you what actually matters for your situation.
- Business name, entity type, start date and what you do
- Location: owned or leased, square footage, building construction and year
- Estimated annual revenue and number of employees
- Value of equipment, inventory and improvements
- Lease or contract insurance requirements (page with the limits)
- Current carrier, premium and renewal date
The agent who reads your lease before he quotes
Landlords and franchisors write insurance requirements into leases that most owners never read closely. Ricardo does. He'll pull the limits and endorsement language straight from your lease so the certificate you hand over is accepted the first time.
And because he came up through sales and the trades, not a corporate insurance office, he explains coverage the way an owner thinks about it: what happens to the business if this goes wrong, and what does it cost to not have to worry about it.
Common questions
What is a BOP and should I get one?
A Business Owners Policy bundles general liability and commercial property, often with business income, for eligible small businesses. It's usually simpler and more economical than separate policies. Ricardo will tell you whether your business qualifies.
My landlord requires insurance — what do they actually want?
Typically GL with specific limits and the landlord named as additional insured, sometimes property coverage on your improvements. Send Ricardo the insurance section of the lease and he'll quote to it.
Do I need workers' compensation?
Florida requires it for most businesses with four or more employees (one or more in construction). Ricardo can point you to the right workers' comp option alongside your other coverage.
Does my business policy cover hurricanes?
Commercial property can include wind coverage, usually with a separate hurricane deductible in Florida. Flood is a separate policy. Ricardo will explain exactly what's included and what's not before you buy.
Can you review what I already have?
Yes. Send your current policy declarations and Ricardo will tell you where the gaps are, in plain English, with no obligation.
Coverage availability, eligibility and pricing vary by carrier and are subject to underwriting. Nothing on this page guarantees a premium, savings, approval or coverage.