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HomeCommercial Insurance AgentsFlorida › Winter Haven

Find Commercial Insurance Agents Near You in Winter Haven, FL

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

The top-rated commercial 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, Acceptance Insurance, Freeway Insurance. This directory lists 18 commercial insurance agents serving Winter Haven.

Showing 18 commercial 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
3Acceptance Insurance910 Havendale Blvd NW #134(863) 733-7006
4Freeway Insurance1136 6th St NW(863) 733-7003
5Direct Auto Insurance5937 Cypress Gardens Blvd Ste 200(863) 969-4916
6Barfield Insurance & Financial Services Inc.110 Spirit Lake Rd Unit 5(863) 293-5400
7Zinsmeister - Your Home, Boat & Auto Insurance Agency1211 6th St SE(863) 294-1034
8GreatFlorida Insurance: Brock Schnabel5658 Cypress Gardens Blvd(863) 594-2600
9American Insurance Inc3610 Havendale Blvd(863) 965-2886
10White Chip Insurance – Winter Haven1217 6th St SW(863) 342-6723
RS
639 1st St S
Rob Semans - State Farm Insurance Agent
Commercial Insurance Agent · Winter Haven, FL

Rob Semans - State Farm Insurance Agent serves the Winter Haven, Florida, metro area as a commercial insurance agent. The agency focuses on helping local businesses obtain coverage to protect their assets, employees, and daily operations. Its services address common commercial risks such as property damage, liability claims, and business interruption. Clients can work with the agent to design policies that fit their specific industry needs. The agency handles commercial general liability and workers' compensation insurance for businesses in this region.

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

Team Barfield - Barfield Insurance offers a comprehensive range of commercial insurance agency services in Winter Haven, Florida. The company provides tailored risk management solutions designed to protect business operations from unexpected financial losses. Routine policy reviews and claims support are available to ensure ongoing coverage adjustments meet changing business needs. The agency services a variety of commercial properties, including single-family homes used for business, apartment buildings, retail shops, and local restaurants.

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

Acceptance Insurance in Winter Haven, Florida is a commercial insurance agent known for helping local business owners manage their risks. The agency works with clients to secure general liability and property coverage for their daily operations. It also assists with workers’ compensation policies to protect employees on the job. For businesses reliant on vehicles, Acceptance Insurance can add on commercial auto insurance to cover company-owned cars and trucks.

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

Freeway Insurance serves businesses throughout the Winter Haven, Florida area as a Commercial Insurance Agent. The company works with local enterprises to secure coverage that addresses liability, property, and operational risks common in this region. Their services help business owners tailor policies to meet regulatory requirements and protect against financial loss. Freeway Insurance handles specific commercial needs such as general liability insurance and workers’ compensation coverage for Winter Haven’s diverse industries.

DA
5937 Cypress Gardens Blvd Ste 200
Direct Auto Insurance
Commercial Insurance Agent · Winter Haven, FL

Direct Auto Insurance in Winter Haven, Florida offers a full range of commercial insurance services, including general liability, property, and workers’ compensation coverage. The agency’s account managers assist business owners with policy reviews and claims support to ensure ongoing protection. Their maintenance plans include regular coverage audits to adjust for changes in business operations or asset values. This agency services various properties, such as single-family homes, apartment complexes, retail storefronts, and local restaurants.

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

Barfield Insurance & Financial Services Inc. serves businesses, property owners, and commercial operators throughout the Winter Haven area with essential insurance coverage. It helps local enterprises manage risk with tailored policies for general liability, property protection, and workers compensation. For commercial property managers, the agency also addresses specific needs such as loss control and equipment breakdown. This independent agency develops coverage plans to safeguard diverse commercial operations while providing responsive local service. It also extends its commercial insurance expertise to clients in nearby Lakeland, offering the same professional guidance and risk management support.

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

Zinsmeister - Your Home, Boat & Auto Insurance Agency serves Winter Haven, Florida, and the surrounding communities, handling commercial insurance needs for local businesses. The agency works with entrepreneurs to secure policies that cover property, liability, and other operational risks. It focuses on understanding each client's specific industry and daily operations. For a typical job, it assesses the business activities, identifies relevant exposures, and then presents coverage options that match the client’s particular requirements and budget constraints.

GI
5658 Cypress Gardens Blvd
GreatFlorida Insurance: Brock Schnabel
Commercial Insurance Agent · Winter Haven, FL

GreatFlorida Insurance: Brock Schnabel in Winter Haven, Florida provides commercial insurance policies that can be arranged as either a one-time solution for a single project or as a recurring yearly plan for ongoing operations. Coverage typically helps protect business assets, liability risks, and property exposures common to local enterprises. The agency’s commercial services are available on a one-time, scheduled, or as-needed basis to match each client’s specific workflow requirements.

AI
3610 Havendale Blvd
American Insurance Inc
Commercial Insurance Agent · Winter Haven, FL

As a commercial insurance agent, American Insurance Inc specializes in property and general liability coverage for local businesses in Winter Haven, FL. It also provides workers compensation and commercial auto policies tailored to specific industry needs. The agency assists clients with risk assessment and policy review to ensure adequate protection throughout the year. For businesses in the region, it helps manage coverage adjustments before seasonal storms or during peak tourism periods that increase liability exposure.

WC
1217 6th St SW
White Chip Insurance – Winter Haven
Commercial Insurance Agent · Winter Haven, FL
AP
6322 Cypress Gardens Blvd
AmeriLife of Polk County, LLC
Commercial Insurance Agent · Winter Haven, FL
(863) 291-4111
amerilife.com/polk
CI
308 Ave G SW Suite 201
Clearvue Insurance Agency (Formerly Lorna Wilson Agency)
Commercial Insurance Agent · Winter Haven, FL
(863) 866-8990
clearvueinsurance.com
GI
116 W Central Ave
Garland Insurance fka Victory Insurance
Commercial Insurance Agent · Winter Haven, FL
(863) 683-9334
CI
3021 Cypress Gardens Rd
Cypress Insurance Management
Commercial Insurance Agent · Winter Haven, FL
(863) 326-1885
cypressinsuranceonline.com
JL
1750 Havendale Blvd NW STE 1
J&KC Life Insurance Agency
Commercial Insurance Agent · Winter Haven, FL
(863) 368-5964
facebook.com/jkclifeinsurance
SI
3395 Cypress Gardens Rd
Sealy Insurance
Commercial Insurance Agent · Winter Haven, FL
(863) 324-3100
CM
205 Ave G SW
Carroll-Marshall Insurance, Inc.
Commercial Insurance Agent · Winter Haven, FL
(863) 293-1111
cminsure.com
DI
190 Avenue A NW
Dershimer Insurance Agency
Commercial Insurance Agent · Winter Haven, FL
(863) 299-8330
dershimerinsurance.com

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

Commercial insurance costs in Florida vary widely by industry and coverage needs. 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 compensation and liability combined. Professional liability insurance for consultants often ranges from 1000 to 3000 dollars per year. This is general information and not insurance advice.

About commercial insurance agents in Winter Haven

Commercial insurance agents in Winter Haven Florida help business owners find coverage for property liability and workers compensation. Florida law requires businesses with four or more employees to carry workers compensation insurance. Local agents understand the unique risks of Central Florida including hurricane exposure and tourism-related liabilities.

Frequently Asked Questions

What types of commercial insurance are required in Florida?

Florida law requires workers compensation insurance for most businesses with four or more employees. Commercial auto insurance is required for any business-owned vehicles. General liability insurance is not legally required but is often mandated by landlords or contracts.

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

Look for an agent who is licensed in Florida and has experience with your specific industry. Ask about their carrier network and claims support. Local agents familiar with Winter Haven can advise on risks like flood zones near Lake Howard or chain of lakes properties.

What factors affect commercial insurance premiums in Florida?

Premiums depend on your business type payroll location and claims history. Florida property insurance rates are influenced by hurricane risk and windstorm deductibles. Liability costs vary by industry with construction and hospitality often paying higher rates.

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