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Find Commercial Insurance Agents in Winter Garden, FL
Directory of commercial insurance agents in Winter Garden, Florida. Verify credentials with the state department of insurance before hiring.
20 agents listed
Updated May 2026
Winter Garden, 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 20 commercial insurance agents in Winter Garden, 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.
12200 W Colonial Dr ste 300 a, Winter Garden, FL 34787
(407) 889-8872
lotusinsuranceservices.com
What Does a Commercial Insurance Agent in Winter Garden Cost?
Commercial insurance costs in Florida vary widely by industry, location, and coverage limits. A small retail shop might pay 500 to 1,500 per year for general liability, while a construction company could pay 5,000 to 20,000 or more for comprehensive coverage. Workers compensation rates are set by the state and depend on payroll and classification codes. This is general information, not 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 commercial insurance do Winter Garden businesses need?
Common coverages include general liability, commercial property, workers compensation, and commercial auto. Florida law mandates workers comp for most businesses with four or more employees. An agent can assess your specific risks and recommend appropriate policies.
How does Florida weather affect commercial insurance costs?
Florida faces high risks for hurricanes, floods, and sinkholes. These perils can increase property insurance premiums. Many policies exclude flood damage, so a separate flood policy may be needed. An agent can help you understand these risks and find suitable coverage.
Can a commercial insurance agent help with Florida business vehicle coverage?
Yes. Commercial auto insurance is required for vehicles used for business purposes in Florida. The state minimum liability limits are 10,000 for property damage and 10,000 for personal injury protection. An agent can help you get higher limits to protect your business assets.
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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.