Commercial Insurance

You've poured your time, energy, and resources into building your business. Protecting it shouldn't be left to chance. At Modern Insurance Group, we help Central Florida business owners find the right commercial coverage, from general liability and workers' comp to commercial property, BOP, cyber liability, and professional liability. We compare options across our carrier network to build a policy tailored to your industry and your risk profile.

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General Liability

Bundled coverage combines liability, property, and interruption insurance.

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Commercial Property

Protects buildings, equipment, inventory, and other business physical assets.

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Workers Compensation

Protects professionals from claims of mistakes or negligent service.

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Business Owners Policy (BOP)

Protects employees and businesses from workplace injury expenses and claims.

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Commercial Auto

Customizable bundle of multiple commercial coverages in one policy.

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Professional Liability

Coverage for vehicles used in business operations and activities.

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Commercial Umbrella

Provides additional liability coverage above underlying policy limits.

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Cyber Liability

Covers data breaches, cyberattacks, and network security failures.

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Inland Marine

Protects mobile equipment and property in transit or off-site.

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Commercial Flood

Covers building and contents damage from flooding events.

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Hired & Non-Owned Auto

Covers liability from rental and employee-owned vehicles used for business.

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Business Interruption

Replaces lost income when covered losses force temporary closure.

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Directors & Officers

Protects company leaders from personal liability for management decisions.

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Tenant Improvements

Covers alterations and improvements made to leased commercial space.

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Crime Insurance

Protects against employee theft, fraud, and criminal acts.

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Builder's Risk

Covers buildings and materials during construction or renovation phases.

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Liquor Liability

Protects businesses serving alcohol from intoxication-related claims.

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Excess Liability

Provides additional liability coverage above underlying policy limits.

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Surety Bonds

Guarantees performance and compliance with contractual obligations.