Business Insurance

Our experienced professionals lead the commercial insurance industry in business insurance services for risk management. We manage risk and its related costs for companies of all sizes.

As the home office of the sixth-largest insurance intermediary in the United States, Brown & Brown – Daytona Beach has a wealth of experience across the industry spectrum. With over 90 teammates servicing our commercial lines department, we have the ability to provide the highest level of personal service and tailor our expertise to meet the diverse needs of every organization.

Whether you are a large multinational organization or a small local business, we have the resources to offer a comprehensive risk management solution to help fit your needs.

Our Process

Market Clout

Specialization

General Liability
This broad type of insurance policy is used to protect businesses against liability claims for bodily injury and property damage arising out of premises operations, products, completed operations, and personal and advertising injury.
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Workers' Compensation

These policies pay for benefits required of the insured under state law due to a job-related injury, including death, resulting from an accident or occupational disease. Experience modifications are summaries of an organization’s prior losses and payroll versus the industry average.

We have resources that will analyze your E-mod and help you learn how to control it. Additionally, many of our carrier partners provide risk management and safety resources specific to your industry, as well as training programs and compliance tools to reduce injuries and maximize cost-saving opportunities.

Employment Practices Liability

This type of policy will protect your organization against employee suits for rights protected under a number of U.S. Acts.

There are 11 types of employment discrimination recognized by the Equal Employment Opportunity Commission: age, gender, disability, equal pay, national origin, pregnancy, race, religion, genetic information, retaliation, and sexual harassment.

Commercial Property

Commercial Property coverage is an essential part of conducting business. Since no two businesses are alike, our team of insurance professionals will work with you to tailor coverage specifically for your business’s unique needs both today and as your business evolves.
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Large Accounts

Delivering integrated insurance and risk management solutions to some of the most respected companies in the world, we leverage our unparalleled expertise and strength in the marketplace to help protect you, your employees, and your business.

Commercial Excess / Umbrella

This type of insurance provides coverage for physical damage and financial loss due to equipment breakdown. The policy will cover both the cost to repair or replace the equipment, as well as any losses the business may have incurred as a result of the equipment not functioning as intended.

Garage Liability

This type of policy is designed to protect a business and their customer’s property while it is in their possession. Many organizations, such as towing companies, auto and truck dealerships, garages, and auto repair shops, need these to protect their customers’ vehicles while in their care, custody, and control.

Professional Liability

This type of policy, also known as Errors & Omissions, protects a business from risks that it faces by delivering the professional services of the business.

Cyber Security & Liability

From simple breaches of personal information to exposures, we work to deliver an insurance program that is comprehensive and we set in place protections to help reduce your exposure.

Commercial Auto

Insurance for any land motor vehicle, trailer, or semitrailer designed for travel on public roads, or any land vehicle that is subject to a compulsory or financial responsibility law. This policy will protect a company financially when owned vehicles are involved in an accident causing bodily injury or property damage. Additionally, physical damage coverage protects your fleet against loss from traffic accidents, theft, or weather-related events.

Risk Management

By understanding your Risk Management plan, business operation components, and how they are affected, we can then apply our knowledge and experience to help control and reduce the total cost of risk.

Flood & Earthquake

Flooding is our nation’s most common natural disaster, and many don’t know that it is not covered in a standard homeowners’ insurance policy. It only takes a few inches of water to cause thousands of dollars in damage. With our flood coverage options, we can help to protect what you value most.

Boiler & Machinery

This type of insurance provides coverage for physical damage and financial loss due to equipment breakdown. The policy will cover both the cost to repair or replace the equipment, as well as any losses the business may have incurred as a result of the equipment not functioning as intended.

Crime

Unfortunately, no business is immune to the senseless and destructive acts of crime against them. We can help to manage the loss exposures if a criminal act impacts your business.

Our Specialty Areas of Business

Construction & Contractors

The construction industry presents very complex insurance and risk management needs. Our team has access to a wide range of carriers, allowing us to fit the needs of virtually any construction risk.

Commercial Property

Commercial property coverage is an essential part of conducting business. Since no two businesses are alike, our team of insurance professionals will work with you to tailor coverage specifically for your business’s unique needs both today and as your business evolves.

Contact Our Business Insurance Team

Insurance coverage and/or claims can not be bound, amended, or canceled through this contact form.

We look forward to helping you find comprehensive insurance solutions to meet your needs.

Austin Brownlee

Senior Vice President | Sales Leader

Business Insurance is Just the Start

In addition to business insurance products, our team can help you with employee benefits, personal insurance, surety bonds, and more.