The top-rated commercial insurance agent in North Miami Beach, Florida is Estrella Insurance, rated 5.0 stars across 1,322 reviews. Other highly rated options include Mercado Insurance Agency North Miami, Del Toro Insurance, Skylake Insurance. This directory lists 10 commercial insurance agents serving North Miami Beach.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Estrella Insurance | 1695 NE 163rd St | (305) 639-2666 |
| 2 | Mercado Insurance Agency North Miami | 1140 NE 163rd St #11-15 | (305) 914-5045 |
| 3 | Del Toro Insurance | 313 NE 167th St | (305) 249-9500 |
| 4 | Skylake Insurance | 1810 NE Miami Gardens Dr | (855) 267-0900 |
| 5 | Univista Insurance | 1074 N Miami Beach Blvd | (305) 330-1070 |
| 6 | Assure-Us The Insurance Agency | 1880 NE 163rd St | (305) 956-7818 |
| 7 | Ma-Cuervo Insurance Group | 15927 Biscayne Blvd | (305) 956-9992 |
| 8 | AllStar Direct Insurance & Financial Services | 16123 Biscayne Blvd | (305) 754-7414 |
| 9 | Royalty Insurance Agency | 17101 NE 19th Ave | (954) 367-3998 |
| 10 | Golden Global Insurance | 3323 NE 163rd St Suite 505 | (305) 899-5125 |
Estrella Insurance offers a comprehensive range of commercial insurance products designed to protect businesses in the North Miami Beach area. Its services include general liability, property insurance, and workers’ compensation coverage, tailored to meet varying operational risks. The agency provides ongoing maintenance of policies and periodic reviews to adjust coverage as business needs evolve. Estrella Insurance services a variety of properties, including single-family homes, apartments, retail establishments, and restaurants.
Mercado Insurance Agency North Miami provides a full range of commercial insurance services, including general liability, property coverage, and workers’ compensation policies for local businesses. The agency works closely with clients to assess their unique risk exposures and recommends appropriate coverage limits and deductibles. It also reviews policies annually to ensure they remain aligned with changing business operations. The agency regularly services single-family homes, apartments, retail storefronts, and restaurants throughout North Miami Beach, Florida.
Del Toro Insurance serves local businesses, property managers, and commercial property owners in North Miami Beach, Florida. It provides general liability, property coverage, and workers’ compensation policies tailored to small and mid-sized enterprises. The agency handles risk assessment and policy placement for retail, office, and service-related operations. Drawing on familiarity with South Florida’s unique weather and regulatory environment, the team works to secure reliable commercial protection. Its coverage area also extends into Aventura and the surrounding North Miami metro neighborhood.
Skylake Insurance serves the North Miami Beach area of Miami-Dade County as a commercial insurance agent. The agency focuses on helping local business owners navigate their unique coverage needs for property and liability protection. It works with clients to design policies that address common regional risks, including weather-related exposures and liability from customer interactions. Skylake Insurance handles business owner policies for small retail shops and general liability insurance for service contractors in the community.
Univista Insurance serves the greater North Miami Beach, Florida, area and the surrounding communities along the Miami-Dade County corridor. The agency handles a broad range of commercial insurance coverage, including liability, property, and workers’ compensation policies tailored to local businesses. Their typical approach to a job begins with a thorough evaluation of the client’s specific operational risks and liability exposures, then works through available market options to construct a policy that addresses those exposures while respecting the business’s budgetary constraints.
Small-business owners, commercial landlords, and independent contractors in North Miami Beach rely on Assure-Us The Insurance Agency for their commercial insurance needs. The agency helps clients secure general liability, property, and workers’ compensation coverage tailored to local business risks. As a dedicated commercial insurance agent, it focuses on protecting assets and managing liability for growing enterprises navigating Florida’s regulatory landscape. Services also include policy reviews to ensure adequate coverage as operations expand. In addition to its North Miami Beach clientele, the agency provides coverage for businesses throughout the surrounding Aventura area.
Serving North Miami Beach and the surrounding communities of Miami-Dade County, Ma-Cuervo Insurance Group provides commercial insurance solutions for local business owners. It handles general liability, property coverage, workers’ compensation, and commercial auto policies tailored to various industry needs. The team focuses on listening to each client’s operational risks and exposures before presenting coverage options. To complete a typical placement, it compares quotes from multiple carriers and explains policy terms clearly so the business owner can make an informed decision based on their specific situation.
AllStar Direct Insurance & Financial Services in North Miami Beach, FL helps businesses choose between a one-time policy for a single project or recurring coverage for ongoing operations. Their commercial insurance agency addresses general liability, property, and workers' compensation needs for local enterprises. Clients may schedule a single consultation or establish a regular review cycle to adjust policies as the business grows. Service runs on either a one-time or scheduled basis depending on the client’s evolving coverage requirements.
Specialty commercial insurance services serve local businesses in North Miami Beach, FL, across standard liability and property coverages. The agency assists with tailored policies for restaurants, retail shops, and small professional firms. It also handles general commercial auto and workers’ compensation protection. For seasonal flood risks common along the Florida coast, the agency can arrange supplemental coverage to protect commercial property and inventory when storms threaten the area in late summer.
As North Miami Beach businesses prepare for the bustling winter season, Golden Global Insurance helps secure their operations against local weather and liability risks. This commercial insurance agent works to assemble appropriate policies that protect property, vehicles, and income streams specific to the area’s diverse commercial sector. Their process relies on careful evaluation of client size, industry hazards, and regulatory requirements to ensure adequate coverage. An initial on-site inspection or detailed business review is typically scheduled to accurately assess current exposures and begin crafting a tailored insurance portfolio.
What Does a a Commercial Insurance Agent in North Miami Beach Cost?
Typical costs for a small business general liability policy in Florida range from $400 to $1,500 per year. Workers compensation insurance averages $1.00 to $2.50 per $100 of payroll. Property insurance for a small retail space in North Miami Beach can cost $1,000 to $5,000 annually. Commercial auto insurance averages $1,200 to $2,400 per vehicle per year. These are general estimates and your actual costs will vary based on your specific business operations, coverage needs, and risk factors. This is general information and not insurance advice.
About commercial insurance agents in North Miami Beach
Commercial insurance agents in North Miami Beach help local businesses secure coverage for liability, property, and workers compensation. Florida law requires businesses with employees to carry workers compensation insurance under Chapter 440. These agents can guide you through the specific risks of operating in a coastal flood zone and hurricane prone area.
Frequently Asked Questions
What types of commercial insurance are required in Florida?
Florida law requires workers compensation insurance for most businesses with four or more employees. Commercial auto insurance is required for any business owned vehicles. General liability insurance is not required by state law but is often mandated by landlords or contracts.
How do commercial insurance agents in North Miami Beach help with hurricane coverage?
Agents can help you assess your property risk and find policies that include windstorm and flood coverage. Many standard policies exclude flood damage, so a separate flood insurance policy through the National Flood Insurance Program may be needed for businesses in North Miami Beach.
What factors affect the cost of commercial insurance in North Miami Beach?
Costs depend on your business type, number of employees, annual revenue, and claims history. Location near the coast increases property insurance rates due to hurricane and flood risk. The size of your deductible and coverage limits also affect your premium.
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