Hard to Cover, High Risk Florida

Get Florida Commercial Insurance for Hard to Cover & High Risk Businesses in Florida

For a variety of reasons, you may find yourself in the difficult position of not being able to secure coverage. This includes workers compensation in Florida, commercial business insurance of all types, and more.

Don’t worry though, because ACI is here to help, and we’re experienced professionals in this area. We’ve worked with countless individuals and businesses over the years who have had prior difficulty in obtaining business insurance in Florida. Such “high risk” businesses are turned down by many carriers. In other instances, the premiums are so outrageous that it would be entirely prohibitive for the business owner to pursue it as a legitimate option.

So why are some businesses in Florida deemed as high risk for insurance and workers compensation? This may include excessive claims within specific windows of time, lapses of coverage, non-payments of your premium and fraudulent claims. The latter is why the rates in Florida, which includes all insurance lines, are so high. Employees fake injuries. That is a fact. Until it happens to you, the impact it can have on your life is not measurable.

There are also other reasons which are entirely out of control and no fault of your own. For instance, if you’re a certain kind of new venture, or your business is in a high risk industry such as para-med services, non-emergency medical transport, certain types and trucking and transportation, and on down the line, then you may have difficulties securing proper commercial insurance coverage or workers compensation.