Commercial Insurance
Built for Florida Business
Trucking. Contractors. Boats. Bonds. Commercial Auto. One independent agency for every commercial coverage line your Florida business needs. We shop 25+ carriers so you get real coverage at real rates.
25+
Insurance Carriers
6
Commercial Lines
Same Day
Certificates Issued
FL Lic.
W368798
Every Commercial Line Under One Roof
Click any product to get full coverage details, real-world scenarios, and a dedicated quote form.
Trucking & Fleet Insurance
Primary liability, cargo, physical damage, and occupational accident for owner-operators and fleets of all sizes. We handle your MCS-90 filings and issue same-day certificates for brokers.
- $750K–$5M liability limits
- Cargo coverage for all freight types
- Owner-operators to full fleets
- FMCSA compliance & filings
Contractors Insurance
General liability, workers' comp, tools & equipment, commercial auto, and builder's risk — for solo electricians and 12-person roofing crews alike. We know DBPR licensing requirements inside and out.
- General liability from $1M/$2M
- FL workers' comp specialists
- All licensed contractor trades
- Same-day certificates for GCs
Commercial Auto
Work trucks, vans, service vehicles, and full fleets. Your personal auto policy won't cover business-use accidents — commercial auto is a legal necessity for any business vehicle.
- Business auto liability
- Physical damage on work vehicles
- Hired & non-owned auto
- Fleet pricing for 3+ vehicles
Boat & Marine Insurance
Agreed Value hull coverage, on-water liability, uninsured boater, hurricane haul-out, and towing for every type of Florida vessel — from center consoles to motoryachts to commercial charter boats.
- Agreed Value policies
- Hurricane haul-out coverage
- Commercial & charter vessels
- Same-day marina certificates
Surety Bonds
Contractor license bonds, performance & payment bonds, permit bonds, bid bonds, court bonds, and business service bonds. Most Florida contractor license bonds issued same day.
- Same-day license bonds
- Performance & payment bonds
- All FL bond types
- Bonds + GL in one conversation
Homeowners & Flood
Homeowners, flood, and dwelling coverage for Florida families and landlords — including NFIP and private flood alternatives, hurricane coverage, and excess flood policies for high-risk zones.
- Homeowners & renters insurance
- NFIP & private flood options
- Hurricane & windstorm coverage
- Landlord & investment property
Why Florida Businesses Trust Bulls Insurance Group
We're the independent commercial insurance partner that Florida business owners can actually rely on.
True One-Stop Agency
Trucking, contractors, marine, bonds, commercial auto — all through one agency. One renewal calendar, one relationship, one call when you need help.
Independent = Better Rates
We shop 25+ carriers for every line — not just one brand. That means real competition for your business, and lower rates than going carrier-direct.
Florida Market Experts
We specialize in Florida's commercial market — Manatee, Sarasota, Hillsborough, and beyond. We know the local carriers, local risks, and local compliance requirements.
Same-Day Service
Certificates, bonds, and quotes — when you need something fast, we move fast. We know your business can't wait on a slow insurer.
Claims Advocacy
When you have a claim, we go to work for you. We help you navigate every step — documentation, filing, follow-up, and fighting for a fair settlement.
Licensed & Experienced
Florida-licensed (Lic. W368798), independent, and experienced across every commercial line. We've seen the gaps that cost business owners everything — and we close them.
Let's Review Every Line Your Business Needs
One call. We'll review your business, identify any gaps, and build a comprehensive commercial insurance program across every line you need. No sales pressure — just a real review.