--- title: "Florida BOP insurance: compare wind, flood and income sublimits" description: "Compare Florida BOP property, general liability and income sublimits with hurricane, storm-surge and flood exposure." canonical: "https://spot.insure/coverage/business-owners-policy/florida" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/business-owners-policy/florida) # Florida BOP insurance: compare wind, flood and income sublimits Florida DFS explains that a BOP combines property and liability and commonly applies sublimits to business income and extra expense; it also describes optional property endorsements and separate flood choices. Florida emergency maps show coastal storm-surge exposure, while FEMA explains that NFIP commercial flood policies cover building and contents but exclude business-interruption losses. Compare location-specific wind terms, flood property protection and BOP income limits rather than relying on the package label.[^1][^2][^3][^4][^5] **Coverage:** [Business owner’s policy](/coverage/business-owners-policy) · [Florida](/coverage/states/florida) ## What Is Business Owner’S Policy? A BOP may suit an eligible small business that wants property, liability and lost-income protection together. If you also need auto, workers’ compensation or professional liability, plan for separate coverage. [Read the national Business owner’s policy guide](/coverage/business-owners-policy). ## Florida Requirements | Requirement | Details | | --- | --- | | Compare the package quote | List each Florida building, contents, inventory, improvements and seasonal stock values. Compare covered causes, named-storm or wind deductibles if shown, flood terms, property valuation and BOP business-income sublimits against likely repair and reopening time; compare any separate flood policy’s direct-property limits with its lack of NFIP business-interruption protection.[^1][^2][^3][^5] | ## What to Watch for in Florida ### Read storm terms for each insured location Florida’s emergency maps identify coastal counties susceptible to tropical-storm and hurricane storm surge, and NWS recommends reviewing insurance for storm-surge, flood and wind vulnerability. Ask the agent to show windstorm or named-storm terms and deductibles for every address, along with roof, ordinance-or-law and debris limits; do not assume all property locations share one deductible.[^3][^4][^2] ### Separate flood property from income protection Florida DFS explains flood may be added by endorsement or separate policy, and basic business-income protection responds to covered property damage for a specified period. FEMA says NFIP commercial coverage protects buildings and contents but excludes business-interruption loss. Compare flood building/contents terms with the BOP’s covered-damage trigger, waiting period and maximum indemnity; ask whether any separate private or excess flood option actually includes income or extra expense.[^2][^5][^3] ### Compare the bundle’s sublimits and excluded lines DFS says BOPs combine property and liability but often use sublimits for income, extra expense, crime, hired/non-owned auto and employee dishonesty; professional liability may be optional. Compare those limits with inventory, temporary relocation and contract needs, and quote missing auto, professional, inland-marine or umbrella lines separately.[^2][^1] ## Who Regulates Insurance in Florida **Florida Office of Insurance Regulation.** The Florida Office of Insurance Regulation licenses and regulates insurance companies and reviews rates and forms. The Department of Financial Services separately licenses insurance agents and handles consumer insurance complaints; its resource page links to both state license searches.[^6][^7][^8] - [Regulator website](https://floir.gov/) - [License lookup](https://myfloridacfo.com/division/ica/resources) - [File a complaint](https://myfloridacfo.com/division/consumers/needourhelp) - Phone: 1-877-693-5236 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 4.94% of gross premium plus a 0.03% FSLSO service fee for policies effective July 1, 2026 or later When Florida is the insured’s home state, Florida taxes the entire gross premium at 4.94%; the premium definition includes policy and similar insurance charges. The separate FSLSO service fee is 0.03% for policies effective July 1, 2026 or later. Surplus-lines policies do not receive Florida Insurance Guaranty Association protection.[^9][^10][^11] [Florida Surplus Lines Service Office](https://www.fslso.com/) ## Providers With Documented State Licenses These providers publish a national listing for Business owner’s policy; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm that the product is available in Florida; [check the regulator’s license lookup](https://myfloridacfo.com/division/ica/resources) and confirm state availability for your business when requesting a quote. - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability.[^14] - [ERGO NEXT Insurance](/insurance-providers/next-insurance) — **Entity:** Next First Insurance Agency, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** ERGO NEXT’s current license table lists Next First Insurance Agency, Inc. in 50 jurisdictions, including Washington, DC; New York is excluded because its table rows name Next Insurance Services and AP Intego, not Next First. The table is company-reported; it does not establish product availability or provide state-regulator verification for each entry.[^16] - [Hiscox](/insurance-providers/hiscox) — **Entity:** Hiscox Insurance Company Inc.; **role:** Insurer; **checked:** 2026-09-28. **Scope:** Hiscox’s U.S. company information states that Hiscox Insurance Company Inc. is licensed in all 50 states and the District of Columbia. This is company-reported insurer authority for this entity and does not establish which company issues every Hiscox-branded product.[^15] - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map.[^17] ## Questions to Ask Before You Buy in Florida 1. What windstorm or named-storm deductible and roof terms apply at each Florida location? 2. Does the BOP include flood by endorsement, or should building and contents flood coverage be quoted separately? 3. What BOP sublimits apply to business income, extra expense, crime and hired/non-owned auto? 4. What covered damage triggers income payments, and what waiting and maximum indemnity periods apply? 5. Does the liability section fit products, customer access and lease terms, and which professional/auto/umbrella lines are separate? ## Business Owner’S Policy in Florida: FAQ ### What does a Florida BOP typically bundle? Florida DFS says BOPs combine property and liability and commonly include sublimits for business income, extra expense and other coverages. The policy forms and options vary, so compare the declarations and endorsements rather than relying on the product name.[^2][^1] ### Does a Florida BOP automatically cover storm-surge flooding? Do not assume it does. Florida DFS describes flood as an endorsement or separate-policy choice; the state identifies coastal storm-surge exposure, and FEMA says NFIP commercial flood coverage excludes business interruption. Review each location’s separate flood property terms and ask whether any private or excess option includes income protection.[^2][^3][^5] ## Business Owner’S Policy in Other States - [Alabama](/coverage/business-owners-policy/alabama) - [Alaska](/coverage/business-owners-policy/alaska) - [Arizona](/coverage/business-owners-policy/arizona) - [Arkansas](/coverage/business-owners-policy/arkansas) - [California](/coverage/business-owners-policy/california) - [Colorado](/coverage/business-owners-policy/colorado) - [Connecticut](/coverage/business-owners-policy/connecticut) - [Delaware](/coverage/business-owners-policy/delaware) - [District of Columbia](/coverage/business-owners-policy/district-of-columbia) - [Georgia](/coverage/business-owners-policy/georgia) - [Hawaii](/coverage/business-owners-policy/hawaii) - [Idaho](/coverage/business-owners-policy/idaho) - [Illinois](/coverage/business-owners-policy/illinois) - [Indiana](/coverage/business-owners-policy/indiana) - [Iowa](/coverage/business-owners-policy/iowa) - [Kansas](/coverage/business-owners-policy/kansas) - [Kentucky](/coverage/business-owners-policy/kentucky) - [Louisiana](/coverage/business-owners-policy/louisiana) - [Maine](/coverage/business-owners-policy/maine) - [Maryland](/coverage/business-owners-policy/maryland) - [Massachusetts](/coverage/business-owners-policy/massachusetts) - [Michigan](/coverage/business-owners-policy/michigan) - [Minnesota](/coverage/business-owners-policy/minnesota) - [Mississippi](/coverage/business-owners-policy/mississippi) - [Missouri](/coverage/business-owners-policy/missouri) - [Montana](/coverage/business-owners-policy/montana) - [Nebraska](/coverage/business-owners-policy/nebraska) - [Nevada](/coverage/business-owners-policy/nevada) - [New Hampshire](/coverage/business-owners-policy/new-hampshire) - [New Jersey](/coverage/business-owners-policy/new-jersey) - [New Mexico](/coverage/business-owners-policy/new-mexico) - [New York](/coverage/business-owners-policy/new-york) - [North Carolina](/coverage/business-owners-policy/north-carolina) - [North Dakota](/coverage/business-owners-policy/north-dakota) - [Ohio](/coverage/business-owners-policy/ohio) - [Oklahoma](/coverage/business-owners-policy/oklahoma) - [Oregon](/coverage/business-owners-policy/oregon) - [Pennsylvania](/coverage/business-owners-policy/pennsylvania) - [Rhode Island](/coverage/business-owners-policy/rhode-island) - [South Carolina](/coverage/business-owners-policy/south-carolina) - [South Dakota](/coverage/business-owners-policy/south-dakota) - [Tennessee](/coverage/business-owners-policy/tennessee) - [Texas](/coverage/business-owners-policy/texas) - [Utah](/coverage/business-owners-policy/utah) - [Vermont](/coverage/business-owners-policy/vermont) - [Virginia](/coverage/business-owners-policy/virginia) - [Washington](/coverage/business-owners-policy/washington) - [West Virginia](/coverage/business-owners-policy/west-virginia) - [Wisconsin](/coverage/business-owners-policy/wisconsin) - [Wyoming](/coverage/business-owners-policy/wyoming) [Other Coverage in Florida](/coverage/states/florida) ## Sources [^1]: [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy) — Spot; Published national BOP article; package sections, eligibility and separate coverage gaps. Accessed 2026-09-28. [^2]: [Commercial Property Insurance Overview](https://www.myfloridacfo.com/division/consumers/understanding-insurance/commercial-property-insurance) — Florida Department of Financial Services; Lines 28–51 and 65–86: BOP bundling/sublimits, exclusions/endorsements, flood options, business-income and extra-expense triggers/periods. Accessed 2026-09-28. [^3]: [Disaster Preparedness Maps](https://www.floridadisaster.org/planprepare/disaster-preparedness-maps/) — Florida Division of Emergency Management; Coastal county storm-surge susceptibility, evacuation zones and county-specific surge maps. Accessed 2026-09-28. [^4]: [What to Do Before the Tropical Storm or Hurricane](https://www.weather.gov/safety/hurricane-plan) — National Weather Service; Lines 65–71: hurricane risks include storm surge, flooding and wind; review insurance before hurricane season. Accessed 2026-09-28. [^5]: [The Ins and Outs of NFIP Commercial Coverage](https://agents.floodsmart.gov/articles/ins-and-outs-nfip-commercial-coverage) — Federal Emergency Management Agency, National Flood Insurance Program; November 2023; lines 9–14 and 16–35: commercial building/contents property and business-interruption exclusion. Accessed 2026-09-28. [^6]: [Florida Office of Insurance Regulation](https://floir.gov/) — Florida Office of Insurance Regulation; Official regulator homepage; insurer regulation. Accessed 2026-09-28. [^7]: [Resources](https://myfloridacfo.com/division/ica/resources) — Florida Office of the Insurance Consumer Advocate; State page links to DFS agent search and OIR active company search. Accessed 2026-09-28. [^8]: [Get Insurance Help](https://myfloridacfo.com/division/consumers/needourhelp) — Florida Department of Financial Services; Insurance concern and formal complaint intake; consumer helpline. Accessed 2026-09-28. [^9]: [Florida Statutes § 626.932: Surplus lines tax](https://www.leg.state.fl.us/Statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0626/Sections/0626.932.html) — Florida Legislature; 4.94% tax on gross premium; home-state taxation; statutory definition of premium. Accessed 2026-09-28. [^10]: [FSLSO Bulletin 2026-02](https://www.fslso.com/docs/default-source/bulletins/fslso-bulletin-2026-02.pdf?sfvrsn=186161a3_1) — Florida Surplus Lines Service Office; Service-fee rate effective July 1, 2026: 0.03%. Accessed 2026-09-28. [^11]: [Surplus Lines Search](https://www.floir.gov/resources-and-reports/surplus-lines-search) — Florida Office of Insurance Regulation; Consumer guidance for nonadmitted insurers, including absence of FIGA protection. Accessed 2026-09-28. [^12]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^13]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22. [^14]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28. [^15]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. [^16]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28. [^17]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28. [^18]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15. Updated 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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