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Find Commercial Insurance Agents Near You in Fernandina Beach, FL
Compare commercial insurance agents in Fernandina Beach. Review contact information and insurance categorys before you decide.
10 agents listed
Updated May 2026
Fernandina Beach, FL
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Florida before hiring.
Showing 10 commercial insurance agents in Fernandina Beach, FL
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Brightway Insurance, The Coastal Agency
5472 1st Coast Hwy Suite 12, Fernandina Beach, FL 32034
(904) 712-6300
brightway.com
Brightway Insurance, The Tarzia Agency
960185 Gateway Blvd STE 107, Fernandina Beach, FL 32034
(904) 491-7622
brightway.com
Fernando Cevallos - State Farm Insurance Agent
474418 E State Rd 200, Fernandina Beach, FL 32034
(904) 261-2664
fernandinafern.com
8 Flags Insurance Agency
1411 S 14th St STE M, Fernandina Beach, FL 32034
(904) 310-6515
8flags.com
Compass Group Insurance
11 S 11th St, Fernandina Beach, FL 32034
(904) 746-4648
compassgroupinsurance.com
Estrella Insurance
474268 E State Rd 200, Fernandina Beach, FL 32034
(904) 432-8736
agents.estrellainsurance.com
Morrow Insurance Group, Inc.
1896 S 14th St STE 5, Fernandina Beach, FL 32034
(904) 261-0707
morrowig.com
Amelia Insurance
2384 Sadler Rd, Fernandina Beach, FL 32034
(904) 261-3606
ameliainsurance.com
Llerandi Insurance Group
474384 E State Rd 200, Fernandina Beach, FL 32034
(904) 310-3803
content.naic.org
Harper Insurance Agency Inc.
714 Beech St, Fernandina Beach, FL 32034
(904) 406-0887
harperinsuranceagencyinc.com
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.
What Does 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.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
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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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Florida.