The top-rated commercial insurance agent in Cutler Bay, Florida is Ellie Mills - State Farm Insurance Agent, rated 5.0 stars across 715 reviews. Other highly rated options include Estrella Insurance, Choice One Insurance, Del Toro Insurance. This directory lists 11 commercial insurance agents serving Cutler Bay.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Ellie Mills - State Farm Insurance Agent | 20330 Old Cutler Rd | (305) 238-8688 |
| 2 | Estrella Insurance | 20214 Old Cutler Rd | (305) 232-7690 |
| 3 | Choice One Insurance | 18400 SW 97th Ave STE 101 | (305) 252-1873 |
| 4 | Del Toro Insurance | 18651 S Dixie Hwy | (305) 252-1009 |
| 5 | Claudia's Insurance Inc | 18901 SW 106th Ave #132 | (786) 293-9141 |
| 6 | Arena Insurance Agency Corp | 10720 Caribbean Blvd Suite 423 | (305) 251-3312 |
| 7 | Lumina Insurance At Cutler Bay | 20250 S Dixie Hwy Ste 202 | (786) 409-0930 |
| 8 | Sebanda Insurance | 20279 Old Cutler Rd | (305) 390-8614 |
| 9 | Univista Insurance | 20280 Old Cutler Rd | (786) 401-2505 |
| 10 | Copponex Vehicle Insurance Group | 9570 Caribbean Blvd | (786) 544-6590 |
Ellie Mills - State Farm Insurance Agent serves the Cutler Bay, Florida area offering commercial insurance coverage to local businesses. The agency handles policies that protect companies from financial losses related to property damage, liability claims, and operational disruptions. Business owners in Cutler Bay can obtain tailored coverage for various industries through this office. The agency particularly assists with general liability insurance and commercial property insurance for small and midsize enterprises in the region.
Estrella Insurance in Cutler Bay, Florida provides commercial coverage for businesses that require either a single policy for a specific project or ongoing protection through renewable annual plans. Property and general liability options are included to address common operational risks faced by local enterprises. Client consultations determine the appropriate scope of insurance for each unique commercial need. Service availability for Estrella Insurance is arranged on an as-needed basis, allowing businesses to request policy reviews or adjustments whenever their requirements change.
Choice One Insurance provides a range of commercial coverage options tailored to businesses operating in and around Cutler Bay, Florida. Their service approach includes initial risk assessments and policy reviews to help clients understand their exposure, followed by routine maintenance through renewal updates and coverage adjustments as business needs evolve. The agency works with various properties requiring commercial protection, including single-family home rentals, apartment complexes, retail storefronts, and local restaurants.
Del Toro Insurance offers specialized commercial coverage options for businesses in Cutler Bay, Florida, including general liability and property protection. It serves the local market by evaluating each client’s operational needs to recommend appropriate policy structures. The agency also assists with workers’ compensation and commercial auto plans for area companies. During hurricane season, the team helps clients review their windstorm and flood coverage to ensure proper limits are in place before a storm threatens the region.
Claudia's Insurance Inc serves local businesses, property managers, and commercial property owners in Cutler Bay, Florida, by providing commercial insurance agent services. These services help clients manage risks and secure coverage for their assets and operations. The agency works to understand the specific needs of each commercial client when reviewing potential insurance options. It assists with general liability, property, and other common coverage types. Along with serving Cutler Bay, the company also covers businesses in the broader South Miami-Dade metro area, including communities such as Homestead.
Serving Cutler Bay and the surrounding South Florida communities, Arena Insurance Agency Corp handles commercial insurance coverage for local businesses. It provides essential policies to protect against common operational risks faced in this region. A typical engagement begins with a thorough review of the company’s specific exposures and industry needs. The agent then develops a tailored proposal designed to balance adequate protection with practical cost considerations for the client.
Lumina Insurance At Cutler Bay assists businesses in distinguishing between one-time commercial insurance binders and recurring policy renewals, while structuring coverage that addresses liability, property, and workers’ compensation exposures. They evaluate local regulatory requirements and industry-specific risks to align protection with operational needs. Service runs on either a one-time consultation or an as-needed basis for policy adjustments and claims support.
As businesses in Cutler Bay prepare for hurricane season, securing proper liability and property coverage becomes a priority. Sebanda Insurance works with local commercial clients to identify coverage gaps that could leave operations exposed during severe weather. The agent reviews policy limits alongside typical risks for South Florida industries, including flood exposure contingent on property location. After discussing available options tailored to specific business needs, the agent schedules an on-site inspection of the premises to accurately evaluate replacement costs and necessary endorsements.
Univista Insurance helps businesses in Cutler Bay, Florida manage their liability and property risks, offering customized protection against general liability, property damage, and workers’ compensation claims. Supplemental coverage can include commercial auto policies and cyber liability insurance to address digital risks. The agency assists a range of commercial sectors, from small professional offices and medical clinics to industrial warehouses, retail storefronts, and food service establishments seeking tailored risk management solutions.
Copponex Vehicle Insurance Group specializes in policies for delivery fleets, independent truckers, and rideshare drivers in Cutler Bay, FL. Its general service work includes tailoring commercial auto coverage for local small businesses and contractor vehicles. The agency helps area entrepreneurs protect their assets through standard liability and physical damage plans. With the upcoming hurricane season in south Florida, it advises clients on adjusting comprehensive coverage to secure rideshare vehicles and essential cargo against storm-related losses.
What Does a a Commercial Insurance Agent in Cutler Bay Cost?
Typical costs for commercial insurance in Florida vary widely by industry size and location. A small retail shop might pay 500 to 1500 dollars per year for general liability. A construction company could pay 5000 to 15000 dollars annually for workers comp and liability. Premiums depend on payroll revenue claims history and risk factors. This is general information not insurance advice.
About commercial insurance agents in Cutler Bay
Commercial insurance agents in Cutler Bay Florida help local businesses find coverage for property liability and workers compensation. Florida law requires businesses with four or more employees to carry workers compensation insurance. Agents in Cutler Bay understand the unique risks facing businesses in this coastal community.
Frequently Asked Questions
What types of commercial insurance do businesses in Cutler Bay need?
Common coverages include general liability commercial property workers compensation and commercial auto. Florida law requires workers comp for most businesses with four or more employees. Coastal businesses may also need flood or windstorm insurance.
How do I find a licensed commercial insurance agent in Cutler Bay?
You can search the Florida Department of Financial Services website for licensed agents in Cutler Bay. Agents must hold a valid Florida insurance license. Many agents offer free consultations to discuss your business needs.
What is the difference between a commercial insurance agent and a broker in Florida?
An agent represents one or more insurance companies and can bind coverage on their behalf. A broker represents the buyer and shops among multiple carriers. Both must be licensed in Florida and follow state regulations.
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