Business Insurance Solutions in Florida

You worked hard to build your business. Now, it’s our job to help you keep it safe—without the stress or confusion. As a boutique, family-run agency, LIG Specialty Insurance provides hands-on, expert insurance for contractors, restaurants, and small business owners across Casselberry, Orlando, and Seminole County. Our clients don’t just get policies—they get partners who know their business and protect their future.

Protect Your Business with the Right Coverage.

Florida business owners face real risks—lawsuits, accidents, hurricanes, and evolving regulations. That’s why we don’t do one-size-fits-all insurance.
 We start with a conversation, listen to your needs, and deliver solutions that fit your operations, contracts, and long-term goals. As your independent agent, we compare top carriers and explain your options, so you never have to guess.


We specialize in coverage for:


  • Contractors: General liability, workers’ comp, bonds, commercial auto, and tailored packages for those handling large contracts
  • Restaurants: Property, liability, workers’ comp, and coverage for unique risks
  • Small Businesses: BOP, professional liability, commercial property, umbrella, and more
  • And more.
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Business Owners Policy (BOP)

Bundles general liability and property insurance.

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Workers Compensation

Required for most Florida businesses—protects your team.

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Commercial Property Insurance

Insures your building, equipment, and inventory.

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Professional Liability (E&O)

For service businesses needing protection from claims of errors or negligence.

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Surety Bonds

For licensing and contract guarantees.

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General Liability Insurance

Covers injuries, property damage, and lawsuits.

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Commercial Auto Insurance

Covers work vehicles, from one truck to a small fleet.

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Commercial Umbrella Insurance

Adds extra liability on top of other coverages.

Construction worker wearing a hard hat, standing in front of a small building.

Contractors Insurance

Packages for builders and trades—covering every requirement.

Offering all of the above, plus more:

Cyber Liability Insurance
Employment Practices Liability Insurance

Directors & Officers

Liability Insurance

Crime Insurance

Builders Risk Insurance

Liquor Liability Insurance

Surety Bonds

Inland Marine Insurance

Environmental Insurance

Special Events Insurance

System Breakdown Insurance

Flood Insurance

Child Day Care Center Insurance

Contractors Insurance

Condo Association Insurance

Auto Repair Shop Insurance

Landscaping Insurance

Manufacturer Insurance

Medical Office Insurance

Non Profit Insurance

Property Manager Insurance

Restaurant Insurance

HVAC Contractor Insurance

Garage Insurance

Fleet Insurance

Professional Services Insurance

Retail Business Insurance

Wholesaler Business Insurance

Church Insurance

Farm Insurance

Fitness Studio Insurance

Security Guard Insurance

Plumbing Contractors Insurance

Electrical Contractor Insurance

Fire Protection Contractor Insurance

Real Estate Investor Insurance

Educational Institutes Insurance

Technology Company Insurance

Who Needs Business Insurance?

Every business—contractors, restaurants, retailers, offices—faces risk. In Florida, certain coverages are required by law or contract. We help you stay compliant and protected, whether you’re bidding on a major project, opening a new location, or simply want peace of mind. Our team guides you through state requirements, contract language, and carrier options.

Red car with severe damage to the rear, loaded on a tow truck.
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Frequently Asked Questions

FAQs About Business Insurance

  • What does a Business Owner’s Policy (BOP) cover?

    A BOP bundles general liability and property coverage, protecting your business from lawsuits and damage to your building or equipment.

  • Is business insurance required by law in Florida?

    Certain coverages, like workers’ comp and commercial auto, are legally required for most businesses. General liability is often required by contracts or landlords, even if not by law.

  • How much does business insurance cost?

    Cost depends on your business type, size, claims history, and coverage needs. Many small businesses in Florida start coverage for a few hundred dollars per year. We provide quotes across multiple carriers to find your best value.

  • Can I bundle different coverages?

    Absolutely. Bundling policies (like BOP plus auto and umbrella) can save money and simplify management.

  • Can you help with insurance certificates for contracts?

    Yes—clients often need certificates of insurance quickly. We provide them fast, so you never lose out on a job due to paperwork.

Let’s Protect Your Business—Together

Don’t wait until you face a claim or a contract snag. Talk to LIG Specialty Insurance for a personalized quote, a full risk review, or just straight answers—no jargon, no sales pressure, just the guidance you deserve.