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Directory of business insurance agents in Fernandina Beach, Florida. Verify credentials with the state department of insurance before hiring.
7 agents listed
Updated May 2026
Fernandina Beach, FL
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Florida before hiring.
Showing 7 business insurance agents in Fernandina Beach, FL
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Brightway Insurance, The Coastal Agency
5472 1st Coast Hwy Suite 12, Fernandina Beach, FL 32034
(904) 712-6300
brightway.com
Brightway Insurance, The Tarzia Agency
960185 Gateway Blvd STE 107, Fernandina Beach, FL 32034
(904) 491-7622
brightway.com
8 Flags Insurance Agency
1411 S 14th St STE M, Fernandina Beach, FL 32034
(904) 310-6515
8flags.com
Compass Group Insurance
11 S 11th St, Fernandina Beach, FL 32034
(904) 746-4648
compassgroupinsurance.com
Estrella Insurance
474268 E State Rd 200, Fernandina Beach, FL 32034
(904) 432-8736
agents.estrellainsurance.com
Morrow Insurance Group, Inc.
1896 S 14th St STE 5, Fernandina Beach, FL 32034
(904) 261-0707
morrowig.com
Amelia Insurance
2384 Sadler Rd, Fernandina Beach, FL 32034
(904) 261-3606
ameliainsurance.com
Business insurance agents in Fernandina Beach help local companies secure coverage tailored to Florida risks like hurricanes and liability claims. Florida law requires certain businesses to carry workers compensation insurance if they have four or more employees. Agents guide you through options such as general liability, commercial property, and professional liability policies.
What Does a Business Insurance Agent in Fernandina Beach Cost?
Typical costs for a small business insurance policy in Florida range from $500 to $3,000 per year for general liability, while workers compensation averages $1,500 to $5,000 per year depending on payroll and industry. Commercial property insurance can cost $1,000 to $10,000 annually based on building value and hurricane risk. These are general estimates and your actual cost will vary based on your specific business profile. This is general information and does not constitute insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What types of business insurance are required in Florida?
Florida requires workers compensation insurance for businesses with four or more employees. Commercial auto insurance is required for any vehicle used for business. Other coverages like general liability are not legally required but are often mandated by landlords or contracts.
How do I choose a business insurance agent in Fernandina Beach?
Look for an agent licensed in Florida with experience in your industry. Ask about their knowledge of local risks such as hurricane exposure and flood zones. Check their reputation through the Florida Department of Financial Services.
What factors affect business insurance costs in Florida?
Costs depend on your business type, number of employees, revenue, location, and claims history. Florida premiums are often higher due to hurricane risk and litigation climate. An agent can help you compare quotes from multiple carriers.
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Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Florida.