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HomeBusiness Insurance AgentsFlorida › Winter Haven

Find Business Insurance Agents Near You in Winter Haven, FL

Browse business insurance agents serving Winter Haven, Florida. Updated 2026-07-14.

The top-rated business insurance agent in Winter Haven, Florida is Rob Semans - State Farm Insurance Agent, rated 4.9 stars across 984 reviews. Other highly rated options include Team Barfield - Barfield Insurance, Jessica Cruz Phung - State Farm Insurance Agent, Acceptance Insurance. This directory lists 20 business insurance agents serving Winter Haven.

Showing 20 business insurance agents in Winter Haven, FLListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Rob Semans - State Farm Insurance Agent639 1st St S(863) 299-1274
2Team Barfield - Barfield Insurance141 5th St NW #302(863) 662-3134
3Jessica Cruz Phung - State Farm Insurance Agent1102 Cypress Gardens Blvd Unit G(863) 269-0066
4Acceptance Insurance910 Havendale Blvd NW #134(863) 733-7006
5Freeway Insurance1136 6th St NW(863) 733-7003
6Barfield Insurance & Financial Services Inc.110 Spirit Lake Rd Unit 5(863) 293-5400
7Joseph Bullington: Allstate Insurance1900 Havendale Blvd NW ste c(863) 299-6449
8Karen Bryan - State Farm Insurance Agent391 Ave A SW(863) 268-2800
9Ryan Gunkel - GEICO Insurance Agent5935 Cypress Gardens Blvd Suite 200(863) 269-4700
10Zinsmeister - Your Home, Boat & Auto Insurance Agency1211 6th St SE(863) 294-1034
RS
639 1st St S
Rob Semans - State Farm Insurance Agent
Business Insurance Agent · Winter Haven, FL

Rob Semans - State Farm Insurance Agent serves the Winter Haven, Florida, metro area as a provider of business insurance services. Policies are designed to protect company assets and manage operational risks. A typical package can include coverage for property damage, liability from customer incidents, and interruptions to business income. Tailored solutions are available for various local industry needs. The agency specifically handles commercial auto insurance for fleet vehicles and general liability coverage for small retail or office-based enterprises.

TB
141 5th St NW #302
Team Barfield - Barfield Insurance
Business Insurance Agent · Winter Haven, FL

Team Barfield - Barfield Insurance provides a broad array of commercial coverage options for businesses in Winter Haven, FL. Service plans typically include policy reviews and general liability adjustments to meet changing operational needs. The agency tailors insurance solutions to protect various local businesses, helping them manage risk through standard property and liability policies. It services single-family homes, apartment complexes, retail storefronts, and local restaurants.

JC
1102 Cypress Gardens Blvd Unit G
Jessica Cruz Phung - State Farm Insurance Agent
Business Insurance Agent · Winter Haven, FL

Jessica Cruz Phung - State Farm Insurance Agent serves homeowners, businesses, and property managers in Winter Haven, Florida, offering tailored business insurance policies to protect local commercial properties, liability exposures, and inventory. The agency works with clients to identify appropriate coverage for various operational risks common to small and mid-sized enterprises. It also assists with personal lines such as auto and home insurance. Service areas extend to the neighboring communities of Lake Alfred and the greater Polk County metro region.

AI
910 Havendale Blvd NW #134
Acceptance Insurance
Business Insurance Agent · Winter Haven, FL

Acceptance Insurance provides a range of business insurance services designed to protect commercial operations in the Winter Haven area. Its team assists clients with policy selection and risk assessment to help secure appropriate coverage. The agency offers ongoing support for policy maintenance and periodic reviews to adjust plans as business needs evolve. Coverage options typically address liabilities, property damage, and operational interruptions. The firm services a variety of commercial properties, including single-family homes used as rentals, apartment buildings, retail spaces, and restaurants.

FI
1136 6th St NW
Freeway Insurance
Business Insurance Agent · Winter Haven, FL

Freeway Insurance in Winter Haven, Florida serves local homeowners, business owners, and property managers seeking commercial coverage. The agency offers general liability, workers’ compensation, and property insurance policies tailored to small and medium-sized enterprises. Business clients can discuss risk management for retail, construction, or service industry operations. Protection for commercial vehicles and professional liability is also available. The agency additionally covers businesses in the nearby Lakeland metro area and surrounding Polk County communities.

BI
110 Spirit Lake Rd Unit 5
Barfield Insurance & Financial Services Inc.
Business Insurance Agent · Winter Haven, FL

Barfield Insurance & Financial Services Inc. serves business owners throughout Winter Haven and the surrounding Polk County communities, handling a full range of commercial insurance needs. It provides coverage for property, liability, and workers’ compensation to protect local enterprises from everyday operational risks. The agency also offers financial planning services to complement its insurance offerings. To manage a typical client engagement, it begins with a thorough review of the business’s unique exposure picture and then tailors a custom package of policies to address those specific vulnerabilities.

JB
1900 Havendale Blvd NW ste c
Joseph Bullington: Allstate Insurance
Business Insurance Agent · Winter Haven, FL

Joseph Bullington: Allstate Insurance offers business insurance in Winter Haven, helping local owners manage liability, property, and commercial auto exposures. Its general service work involves assessing each client’s operational risks to build appropriate coverage packages. Beyond standard policies, the agency explains how deductibles, policy limits, and bundling work for sole proprietors and small companies. As hurricane season in Central Florida approaches, it assists restaurants and retail shops with flood and wind protection reviews to keep inventory safe when storms threaten the area.

KB
391 Ave A SW
Karen Bryan - State Farm Insurance Agent
Business Insurance Agent · Winter Haven, FL

Karen Bryan - State Farm Insurance Agent in Winter Haven, FL, helps clients choose between one-time policy purchases and recurring coverage plans for ongoing protection. The agency specializes in business insurance, offering policies that safeguard companies against property damage, liability claims, and other operational risks common in the local area. Business insurance options are designed to meet varying needs, from startups to established enterprises. Services run on a one-time, scheduled, or as-needed basis depending on the client’s specific requirements and policy renewals.

RG
5935 Cypress Gardens Blvd Suite 200
Ryan Gunkel - GEICO Insurance Agent
Business Insurance Agent · Winter Haven, FL

As winter visitors and new residents arrive in Winter Haven, securing proper business auto and liability coverage becomes essential for local companies. Ryan Gunkel, a GEICO Insurance Agent, assists entrepreneurs and small firms in the area with these tailored policies. The agency evaluates each business’s specific risks, from delivery fleets to storefront operations, before offering suitable commercial protection. A complimentary initial consultation reviews current coverage gaps and begins the process of competitive quoting against existing plans. A thorough on-site or virtual inspection then verifies all business exposures before final policy issuance.

ZY
1211 6th St SE
Zinsmeister - Your Home, Boat & Auto Insurance Agency
Business Insurance Agent · Winter Haven, FL

Zinsmeister - Your Home, Boat & Auto Insurance Agency in Winter Haven, FL offers business insurance coverage tailored to local operations. It specializes in policies that protect commercial property, general liability, and workers' compensation. The agency assists entrepreneurs in managing risk and securing adequate financial safeguards for their enterprises. It serves a range of commercial sectors including offices, warehouses, and food service establishments, helping each meet its unique liability and asset protection needs.

GI
5658 Cypress Gardens Blvd
GreatFlorida Insurance: Brock Schnabel
Business Insurance Agent · Winter Haven, FL
(863) 594-2600
winterhaven.greatflorida.com
AI
3610 Havendale Blvd
American Insurance Inc
Business Insurance Agent · Winter Haven, FL
(863) 965-2886
americaninsuranceinc.com
WC
1217 6th St SW
White Chip Insurance – Winter Haven
Business Insurance Agent · Winter Haven, FL
(863) 342-6723
whitechipinsurance.com
CI
308 Ave G SW Suite 201
Clearvue Insurance Agency (Formerly Lorna Wilson Agency)
Business Insurance Agent · Winter Haven, FL
(863) 866-8990
clearvueinsurance.com
GI
116 W Central Ave
Garland Insurance fka Victory Insurance
Business Insurance Agent · Winter Haven, FL
(863) 683-9334
CI
3021 Cypress Gardens Rd
Cypress Insurance Management
Business Insurance Agent · Winter Haven, FL
(863) 326-1885
cypressinsuranceonline.com
SI
3395 Cypress Gardens Rd
Sealy Insurance
Business Insurance Agent · Winter Haven, FL
(863) 324-3100
CM
205 Ave G SW
Carroll-Marshall Insurance, Inc.
Business Insurance Agent · Winter Haven, FL
(863) 293-1111
cminsure.com
DI
190 Avenue A NW
Dershimer Insurance Agency
Business Insurance Agent · Winter Haven, FL
(863) 299-8330
dershimerinsurance.com
BI
150 3rd St SW Suite 203
Brightway Insurance, The Bailey and Associates Agency
Business Insurance Agent · Winter Haven, FL
(863) 614-1300
brightwaybaileyandassociates.com

What Does a a Business Insurance Agent in Winter Haven Cost?

Typical costs for a business insurance agent in Florida vary by industry and coverage level. A small retail shop might pay $500 to $1,500 per year for general liability. A construction company could pay $3,000 to $10,000 annually for workers comp and liability. Hurricane coverage adds 10 to 30 percent more to property premiums. This is general information and not insurance advice.

About business insurance agents in Winter Haven

A business insurance agent in Winter Haven Florida helps local companies find coverage that meets state requirements and protects against common risks. Florida law mandates certain coverages like workers compensation for businesses with four or more employees. Agents in Winter Haven can guide you through policies for property, liability, and hurricane damage specific to Central Florida.

Frequently Asked Questions

What types of business insurance are required in Florida?

Florida requires workers compensation insurance for most businesses with four or more employees. Commercial auto insurance is also required if you use vehicles for business. General liability is not required by state law but is often required by landlords or contracts.

How do I choose a business insurance agent in Winter Haven?

Look for an agent licensed in Florida who has experience with your industry. Ask about their knowledge of local risks like hurricanes and sinkholes. You can verify an agents license through the Florida Department of Financial Services website.

Does business insurance in Florida cover hurricane damage?

Standard commercial property policies in Florida often exclude windstorm or flood damage. You may need separate windstorm coverage or a commercial flood policy. An agent in Winter Haven can help you add these endorsements to your policy.

Business Insurance Agents in Other Florida Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each business insurance agent's credentials and current standing with your state Department of Insurance.