Business owner's policy
Property and liability in one package. The best value for most small shops and offices.
Business insurance
Coverage for Tampa Bay business owners
Restaurants, contractors, medical offices, shops and marine businesses. One agent, the right carriers, and certificates in one business day.
Coverages
What most local businesses carry
You rarely need all eight. Jerome starts with your contracts, your lease and your payroll, then builds the smallest program that covers them.
General liability
Customer injuries, property damage and advertising claims. Most leases and contracts require it.
Workers' comp
Medical bills and lost wages for injured employees. Florida contractors need it from the first hire.
Commercial auto
Vans, trucks and trailers your business owns, plus employees driving their own cars for work.
Professional liability
Claims that your advice or service caused a client a financial loss.
Cyber liability
Data breaches, ransomware and the cost to notify customers whose records leaked.
Property and wind
Your building, equipment and inventory, with a wind deductible you understand.
Marine and charter
Charter boats, marinas, dive shops and marine repair businesses.
Coverage is subject to policy terms, conditions and exclusions. Availability varies by carrier and business type.
Industries
Businesses we insure every day
Restaurants and cafes
Liquor liability, spoiled food after a power outage, and kitchen fire coverage.
Contractors and trades
Certificates with the exact endorsements your general contractor asks for.
Medical and dental offices
Malpractice, equipment breakdown and patient data protection.
Retail shops
Inventory, storefront glass and slip-and-fall claims.
Marine and charter
Passenger liability, hull coverage and dock exposures.
Landlords and property managers
Rental dwellings, small commercial buildings and loss of rents.
Certificates of insurance
Need a certificate today?
Requests in by 2 PM usually go out the same business day. Standard certificates are free.
- 1
Copy the holder exactly
Use the legal name and address from your contract. One wrong letter gets a certificate rejected.
- 2
List the special wording
Additional insured, waiver of subrogation and primary wording need an endorsement. Tell us up front.
- 3
We email the PDF
You and the holder get a copy. We keep it on file for next year's renewal.
Request received.
This is a demo site, so nothing was sent. On a live site, Jerome's team emails the certificate and keeps a copy on file for renewal.
Your business agent
One person who knows your contracts
Jerome has placed business coverage in Tampa Bay for 14 years. He reads your lease and your client contracts before he quotes, so the policy matches what you signed.
"We had three policies from three agents and paid for liability twice. Jerome combined them into one owner's policy and an auto policy. We save about $2,100 a year and have one renewal date."
Business
Get a business quote
Share your industry, payroll and current policies. Jerome returns options in three to five business days.