Business Insurance That Works as Hard as You Do

At St. Andrews Insurance, we help Florida businesses protect their people, property, and progress—with clarity, speed, and local care.

General Liability Insurance

This foundational policy covers claims of bodily injury, property damage, or personal injury that happen during day-to-day operations. If someone slips at your shop or alleges false advertising, general liability insurance helps cover legal costs and settlements.

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Commercial Property Insurance

Protect your building, inventory, equipment, and signage against fire, theft, weather, and more. We tailor commercial property insurance for Florida’s unique exposures—so you’re ready for the unexpected.

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Business Interruption Insurance

If you’re forced to temporarily close after a covered event, this policy helps cover lost income, operating expenses, and recovery costs. It’s one of the smartest ways to keep your Florida business resilient.

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Workers’ Compensation Insurance

Required for most employers in Florida, workers’ comp covers medical costs, lost wages, and rehabilitation if an employee is injured on the job. We help you stay compliant and covered—without the red tape.

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Professional Liability Insurance

Also known as errors & omissions (E&O) insurance, this policy covers claims of negligence, misrepresentation, or bad advice. It's essential if your expertise influences client decisions or outcomes.

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Commercial Auto Insurance

From fleet trucks to delivery vans, if your vehicles are used for business, personal auto insurance won’t cut it. We’ll help you find the right commercial auto policy to protect your people, vehicles, and liability.

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Cyber Liability Insurance

We get it—riding is freedom. But it also comes with responsibility. Our motorcycle insurance covers the essentials with fast, personal support when you need it most.

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Employment Practices Liability Insurance (EPLI)

EPLI covers legal costs and settlements tied to allegations like discrimination, harassment, or wrongful termination. It’s smart protection for today’s workplace, no matter your company size.

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