The top-rated commercial insurance agent in Fernandina Beach, Florida is Brightway Insurance, The Coastal Agency, rated 4.9 stars across 243 reviews. Other highly rated options include Fernando Cevallos - State Farm Insurance Agent, Brightway Insurance, The Tarzia Agency, 8 Flags Insurance Agency. This directory lists 10 commercial insurance agents serving Fernandina Beach.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Brightway Insurance, The Coastal Agency | 5472 1st Coast Hwy Suite 12 | (904) 712-6300 |
| 2 | Fernando Cevallos - State Farm Insurance Agent | 474418 E State Rd 200 | (904) 261-2664 |
| 3 | Brightway Insurance, The Tarzia Agency | 960185 Gateway Blvd STE 107 | (904) 491-7622 |
| 4 | 8 Flags Insurance Agency | 1411 S 14th St STE M | (904) 310-6515 |
| 5 | Compass Group Insurance | 11 S 11th St | (904) 746-4648 |
| 6 | Estrella Insurance | 474268 E State Rd 200 | (904) 432-8736 |
| 7 | Amelia Insurance | 2384 Sadler Rd | (904) 261-3606 |
| 8 | Morrow Insurance Group, Inc. | 1896 S 14th St STE 5 | (904) 261-0707 |
| 9 | Llerandi Insurance Group | 474384 E State Rd 200 | (904) 310-3803 |
| 10 | Harper Insurance Agency Inc. | 714 Beech St | (904) 406-0887 |
Brightway Insurance, The Coastal Agency serves the Fernandina Beach area of Nassau County, providing commercial insurance agent services to local businesses. This agency evaluates specific operational risks to help property owners, independent contractors, and retail managers find appropriate coverage options. By working directly with multiple carriers, it can identify suitable policies for general liability, property protection, and other business needs. The agency frequently handles workers' compensation policies and commercial auto insurance for companies operating in this coastal region.
Fernando Cevallos - State Farm Insurance Agent in Fernandina Beach, FL provides commercial insurance to local businesses, property managers, and organizations seeking coverage for liability, property, and operational risks. The agency works with entrepreneurs and established companies to design policies that address specific industry exposures and asset protection needs. Clients benefit from personalized risk evaluations and claims support tailored to commercial operations. This agency also serves business owners throughout Nassau County and the neighboring Amelia Island community.
Brightway Insurance, The Tarzia Agency in Fernandina Beach, FL provides a full range of commercial insurance services, including policy review, risk assessment, and ongoing coverage management. The agency offers service plans that include routine policy updates and claims assistance to maintain adequate protection for evolving business needs. It services properties such as single-family homes, apartments, retail establishments, and restaurants.
8 Flags Insurance Agency serves Fernandina Beach, Amelia Island, and the surrounding Nassau County communities. The agency handles commercial insurance needs for a variety of local businesses, including retail shops, restaurants, and contractors. It works to find appropriate coverage for general liability, property, and workers compensation. To handle a typical job, the agent first reviews the client’s specific operations and exposures, then compares policies from multiple carriers to assemble a customized package that fits the business’s unique risk profile.
Compass Group Insurance in Fernandina Beach, FL, helps businesses choose between one-time policy setups for specific projects and recurring coverage plans that renew automatically. As a commercial insurance agent, they offer general liability, property, and workers' compensation insurance tailored for local operations. They guide clients through risk assessment and coverage selection to meet regulatory requirements. This service operates primarily on a scheduled basis, with annual policy reviews and adjustments made as the client’s business needs evolve rather than on a one-time or as-needed basis.
Estrella Insurance, a Commercial Insurance Agent based in Fernandina Beach, Florida, is known for providing businesses with essential liability and property coverage. Its range of services addresses common local needs, including general liability, workers’ compensation, and commercial auto policies. The company helps firms manage risks specific to Florida’s coastal environment by analyzing exposure from storms and flooding. For specialized operations, clients can request inland marine insurance to protect equipment in transit.
As businesses along Amelia Island prepare for the peak tourist season, securing proper liability and property coverage becomes essential. Amelia Insurance in Fernandina Beach works with local enterprises to assess their commercial insurance needs, from restaurant and retail policies to contractor coverage. The agency helps owners navigate region-specific risks, including hurricane exposure and seasonal staffing fluctuations. Their process begins with a detailed review of the client’s operations and risk profile before scheduling an on-site inspection to evaluate the property and confirm coverage requirements.
Morrow Insurance Group, Inc. specializes in policies for businesses, including liability, property, and workers' compensation coverage. The firm provides general commercial insurance agent services to companies in and around Fernandina Beach, Florida. It helps local businesses manage risk across various industries, ensuring their operations remain protected. A particular concern it assists with is preparing businesses for the heightened liability exposure that accompanies the peak tourist season in this coastal community.
Llerandi Insurance Group works with local business owners in Fernandina Beach, Florida to match them with appropriate commercial insurance policies. The company specializes in liability coverage, property protection, and risk management options tailored to each client’s operations. These include general liability, workers’ compensation, and commercial property insurance. Llerandi Insurance Group serves a variety of commercial sectors including offices, warehouses, and food service establishments.
Harper Insurance Agency Inc. serves residents and businesses in Fernandina Beach with personalized insurance solutions. The agency assists homeowners with residential policies and works closely with local business owners to secure commercial coverage tailored to their specific needs. Their commercial insurance expertise helps protect a variety of enterprises operating in the surrounding area. Regular contact with clients ensures coverage remains appropriate as circumstances change. When businesses or homeowners require adjustments or have questions between scheduled meetings, prompt follow-up service is always available to address their evolving requirements.
What Does a a Commercial Insurance Agent in Fernandina Beach Cost?
Typical costs for commercial insurance in Florida vary widely. A small retail shop might pay between 500 and 2,000 dollars per year for general liability. Workers compensation costs average around 1.50 to 3.00 dollars per 100 dollars of payroll. A commercial auto policy for a single vehicle can range from 1,200 to 3,000 dollars annually. These are general estimates and your actual costs will depend on your specific business risks, coverage limits, and deductibles. This information is general and not insurance advice.
About commercial insurance agents in Fernandina Beach
Commercial insurance agents in Fernandina Beach Florida help local businesses secure coverage for property, liability, and workers compensation. Florida law requires businesses with employees to carry workers compensation insurance under Florida Statute 440. These agents also advise on hurricane and flood risks specific to the coastal Nassau County area.
Frequently Asked Questions
What types of commercial insurance are required in Fernandina Beach Florida?
Florida law requires workers compensation insurance for most businesses with employees. Commercial auto insurance is required for any business vehicles. General liability insurance is not state mandated but is often required by landlords and contracts.
How does hurricane risk affect commercial insurance in Fernandina Beach?
Fernandina Beach is in a high risk hurricane zone. Commercial property policies typically exclude wind damage, requiring a separate windstorm policy through the Florida Citizens Property Insurance Corporation or private insurers. Flood insurance is also separate and recommended.
What information do I need to get a commercial insurance quote in Fernandina Beach?
You will need your business license number, estimated annual revenue, number of employees, property details, and a description of operations. For Florida businesses, you may also need your Federal Employer Identification Number and prior claims history.
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