Business insurance
Cover the Business You've Built.
Property and casualty coverage for Florida and Michigan small businesses — shopped across multiple markets, explained in plain English.
Most small business owners renew the same policy every year because shopping it is a hassle. At Gold Coast Financial Group, we do the shopping for you. As an independent agency we can quote your business with standard carriers and specialty markets — including the surplus-lines markets that write the risks many companies turn away.
We start by reading the policy you have now. Coverage gaps, outdated limits, and exclusions that don't fit how you actually operate are more common than most owners realize, and the time to find them is before a claim, not after.
What we write
Coverage for Florida & Michigan businesses
General liability
Protection when a customer is hurt on your premises or your work causes damage to someone else's property.
Business owner's policy (BOP)
Liability and property coverage bundled into one policy — often the most cost-effective starting point for a small business.
Commercial property
Your building, equipment, inventory, and the income you'd lose while recovering from a covered loss.
Workers' compensation
Required for most employers in Florida and Michigan, and it protects both your employees and your business.
Commercial auto
Vehicles titled to the business, plus coverage for employees who drive their own cars on company errands.
Professional liability
Errors & omissions coverage for firms whose advice or services could be blamed for a client's financial loss.
Cyber liability
Help paying for a data breach, ransomware, or the notification costs if customer information is exposed.
Contractors & bonds
Contractor general liability, builder's risk, and license, permit, and contract surety bonds.
Hard-to-place risks
Told no somewhere else?
Bars and lounges, event operations, contractors, and businesses with a claim on their record often get declined or non-renewed by standard carriers. Specialty markets exist for exactly these businesses, and we work with them directly — including liquor liability and off-premises event coverage.
One team
Protect the business and the owner
Your business policy covers the company. It doesn't replace you. Because we also handle key person and buy-sell life insurance, one review can cover both sides of the risk.
Home, flood, and more for your household
We also quote personal coverage for households in Florida and Michigan, including:
- Homeowners & condo
- Landlord & dwelling
- Flood
- Renters
- Classic & collector cars
Property & casualty questions go straight to Josh McClelland: (810) 304-2425
Property and casualty coverage is currently offered in Florida and Michigan. Coverage is subject to underwriting approval and policy terms.
When does your business policy renew?
Bring your current declarations page to a free review. We'll check it for gaps and shop it before your renewal date.
No pressure. No obligation. Just straight answers.