The top-rated commercial insurance agent in Miami Gardens, Florida is Legacy Builders Insurance Agency, rated 5.0 stars across 517 reviews. Other highly rated options include Estrella Insurance, GoldenTrust Insurance Miami Gardens, AJM Agencies Auto Insurance (PROGRESSIVE). This directory lists 15 commercial insurance agents serving Miami Gardens.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Legacy Builders Insurance Agency | 19545 NW 2nd Ave | (305) 749-6303 |
| 2 | Estrella Insurance | 3489 NW 183rd St | (305) 925-9944 |
| 3 | GoldenTrust Insurance Miami Gardens | 5663 NW 195th Dr | (305) 998-7133 |
| 4 | AJM Agencies Auto Insurance (PROGRESSIVE) | 4888 NW 183rd St #207 | (786) 556-5210 |
| 5 | Univista Insurance | 4729 NW 183rd St | (305) 406-6708 |
| 6 | Del Toro Insurance | 3753 NW 167th St Suite 102 | (786) 533-2513 |
| 7 | Gardens Insurance Inc | 1818 NW 183rd St | (305) 621-0072 |
| 8 | Sebanda Insurance | 19577 NW 57th Ave | (305) 888-1427 |
| 9 | Renew Insurance LLC | 16533 NW 57th Ave | (305) 624-7300 |
| 10 | Insurance Exchange of America | 19868 NW 27th Ave | (305) 620-7555 |
Legacy Builders Insurance Agency serves the Miami Gardens, Florida area as a commercial insurance agent. The company works with local business owners to assess their specific risks and secure appropriate coverage policies. It assists with general liability and property insurance, which protects company assets and physical locations. The firm also handles workers’ compensation policies, helping area employers comply with state requirements while covering employee injury risks. Commercial auto policies for vehicles used in business operations round out its key services in this region.
Estrella Insurance provides commercial insurance for businesses, including risk assessment, liability coverage, property protection, and workers’ compensation policies. It offers ongoing service support through periodic policy reviews and claims assistance to help manage business exposures. Based in Miami Gardens, Florida, the agency serves commercial clients throughout the local area and the broader South Florida market. It services single-family homes, apartments, retail stores, and restaurants, along with other small to medium-sized commercial properties requiring customized liability and asset protection.
GoldenTrust Insurance Miami Gardens provides a full range of commercial insurance agent services, including policy evaluation, risk assessment, and coverage placement for various business operations. It offers comprehensive service plans to review existing policies, adjust limits, and manage claims efficiently. The company also assists with annual renewals and endorsements to keep coverage aligned with changing needs. Its custom liability and property insurance solutions serve single-family homes, apartments, retail, and restaurants in the local area.
AJM Agencies Auto Insurance via PROGRESSIVE serves residential homeowners, business owners, and property managers seeking commercial insurance coverage in Miami Gardens, Florida. The agency works to help clients select appropriate liability, property, and auto policies designed to meet local operational needs and budget requirements. It provides consultations to review risk exposure and adjust coverage limits based on changes in business assets or property holdings. Services also extend to businesses and residents in surrounding North Miami Beach and the broader Miami-Dade metro area.
Univista Insurance serves businesses, commercial property owners, and entrepreneurs throughout Miami Gardens, Florida, offering general liability, property, and workers' compensation coverages. These policies protect local operations against common financial risks, while tailored plans address specific industry needs such as vehicle fleets or equipment. Professional agents guide clients through renewals and claims, ensuring continuous coverage. The firm also extends its commercial insurance services to nearby North Miami Beach and surrounding areas of the metropolitan region.
Serving Miami Gardens and the surrounding communities of northern Miami-Dade County, Del Toro Insurance provides commercial insurance solutions for local businesses. The agency handles coverage for property, liability, and workers’ compensation needs, along with other standard business policies tailored to various industries. With a focus on understanding each client’s unique operations, the team typically begins by assessing a company’s specific risks and then recommends a customized policy package to ensure comprehensive protection against potential losses.
Gardens Insurance Inc serves Miami Gardens and the surrounding South Florida communities, addressing the commercial insurance needs of local business owners. The agency handles a range of coverage options, including general liability, property insurance, and workers compensation for small to mid-sized enterprises. To complete a typical job, it evaluates each client’s specific business operations and risk exposures, then matches them with policies from multiple carriers to build a tailored protection plan.
Sebanda Insurance offers clients the choice between one-time policy placements and ongoing commercial coverage management in Miami Gardens, Florida. Their services protect local businesses against common operational risks such as property damage, liability claims, and worker injuries. The agency structures each plan to match the specific exposure of a client's industry and enterprise size. Coverage options are available on a one-time, scheduled, or as-needed basis to align with different business cycles and budget preferences.
Renew Insurance LLC in Miami Gardens, FL provides commercial insurance solutions tailored to a client's choice between one-time policies for a single project or recurring yearly coverage for ongoing operations. Its agents help businesses secure essential liability and property protection to meet specific operational risks. Service offerings are structured to function on a one-time, scheduled, or as-needed basis depending on the policy plan selected.
Insurance Exchange of America offers specialized commercial insurance services, including general liability and property coverage, for businesses in Miami Gardens, Florida. It also provides tailored risk management solutions to help local companies protect their assets and operations. As the hurricane season approaches each year, the agency assists business owners in reviewing their policies to ensure adequate coverage against storm-related damages and potential business interruptions.
What Does a a Commercial Insurance Agent in Miami Gardens Cost?
Commercial insurance costs in Florida vary widely by industry, location, and coverage limits. A small retail store in Miami Gardens might pay 500 to 2,000 dollars per year for general liability. Property insurance for a commercial building can range from 2,000 to 10,000 dollars annually depending on hurricane risk and building materials. Workers compensation rates are set by the state and depend on payroll and classification codes. This is general information, not insurance advice.
About commercial insurance agents in Miami Gardens
Commercial insurance agents in Miami Gardens Florida help business owners find the right coverage for their specific needs. Florida law requires certain types of commercial insurance such as workers compensation for businesses with four or more employees. A local agent understands the unique risks of operating in Miami Gardens including hurricane exposure and liability concerns.
Frequently Asked Questions
What types of commercial insurance do Miami Gardens businesses need?
Common coverages include general liability, property insurance, and workers compensation. Florida law mandates workers comp for most businesses with four or more employees. Your agent can help you assess risks specific to your industry.
How does Florida hurricane risk affect commercial insurance costs?
Florida property insurance rates are higher due to hurricane exposure. Miami Gardens businesses may need separate windstorm coverage or a wind mitigation inspection. Deductibles for hurricane damage are often a percentage of the property value.
Do I need commercial auto insurance for my Miami Gardens business vehicles?
Yes, Florida law requires all business vehicles to carry at least 10,000 dollars in personal injury protection and 10,000 dollars in property damage liability. Higher limits are recommended for commercial vehicles to protect your assets.
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