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Business Insurance

Our business is protecting your business.

Our business is protecting your business from the risks you face everyday, whether your business is large or small.

Insuring a business can be very complex, especially when faced with the unique challenges Florida presents. Call and speak to one of our licensed agents and find out how best to protect your business.

Invest in your company's security

In today’s ever-changing environment, risk is constant. Business insurance protects you from unexpected costs relating to accidents, natural disasters, and lawsuits that could threaten your company. Every business is different, and therefore the insurance needs of every business are notably different. We will assess your business and needs to develop creative, comprehensive, cost-effective solutions that fit your needs.

What we cover:

Building Coverage

General Contractors

Condominium Associations

Professional Liability

Umbrella Coverage

Business Owners

Flood Coverage

Homeowners Associations

Workers Compensation


Commercial Vehicle


What are typical coverage limits?

Coverage TypeTypical Coverage Limit
General Liability InsuranceTypically $1 million per occurrence, $2 million aggregate. Provides coverage for bodily injury, property damage, and personal injury claims against your business.
Property InsuranceCoverage limits vary based on the value of your business property and assets. Typically covers buildings, equipment, inventory, and other physical assets against covered perils such as fire, theft, vandalism, and natural disasters.
Business Interruption InsuranceCoverage limits vary based on the financial needs of your business. It helps replace lost income and pay for extra expenses if your business is unable to operate due to a covered peril, such as a fire or natural disaster.
Commercial Auto InsuranceCoverage limits depend on the vehicles owned or used by the business. Provides liability, collision, and comprehensive coverage for business-owned vehicles and drivers.
Workers’ Compensation InsuranceCoverage limits are based on state requirements and the number of employees. Provides medical benefits and wage replacement to employees who are injured or become ill while performing their job duties.
Professional Liability InsuranceCoverage limits vary based on the type of profession and the risks associated with the services provided. Also known as errors and omissions insurance, it protects businesses against claims of negligence, errors, or omissions in the services provided to clients.
Cyber Liability InsuranceCoverage limits vary based on the size and nature of the business. Protects businesses against data breaches, cyberattacks, and other digital risks that could result in financial losses, regulatory fines, and reputational damage.
Umbrella Liability InsuranceTypically provides coverage above and beyond the limits of other liability policies, such as general liability and commercial auto insurance. Coverage limits vary based on the needs of the business.

How are rates determined?

Business insurance rates are determined by various factors that assess the level of risk associated with insuring a particular business entity. Insurance companies employ complex algorithms and underwriting processes to evaluate these factors and calculate premiums. Here’s a thorough breakdown of the key determinants:

  1. Type of Business Insurance:

    • Different types of insurance policies cater to different aspects of a business’s operations, such as general liability, property insurance, professional liability (errors and omissions), workers’ compensation, etc.
    • Each type of insurance policy has its own set of risk factors and underwriting criteria.
  2. Risk Assessment Factors:

    • Insurance companies assess several risk factors to determine the likelihood and severity of potential claims. These factors include:
      • Industry type: Some industries inherently pose higher risks due to the nature of their operations (e.g., construction vs. retail).
      • Business size: Larger businesses may face higher risks and potential liabilities compared to smaller ones.
      • Location: Geographic factors such as crime rates, weather patterns, and proximity to natural disaster-prone areas can influence insurance rates.
      • Claims history: A business’s past claims and loss history directly impact future premiums. A history of frequent or severe claims can lead to higher rates.
      • Business operations: The scope and nature of a business’s operations, including its products/services, clientele, and processes, influence its risk profile.
      • Safety measures: Implementation of safety protocols, risk management practices, and adherence to industry standards can help mitigate risks and potentially lower insurance premiums.
  3. Coverage Limits and Deductibles:

    • The level of coverage and deductibles chosen by the insured significantly impact insurance rates. Higher coverage limits and lower deductibles typically result in higher premiums.
    • Businesses must strike a balance between adequate coverage and affordability based on their risk tolerance and financial capabilities.
  4. Underwriting Guidelines:

    • Insurance companies have specific underwriting guidelines that dictate how they evaluate and price risks.
    • Underwriters assess applications based on predefined criteria and may consider factors beyond what is listed, including industry trends, regulatory changes, and economic conditions.
  5. Market Conditions:

    • Insurance market conditions, including supply and demand dynamics, regulatory changes, and macroeconomic factors, can influence insurance rates.
    • In a hard insurance market characterized by high claims, reduced capacity, and increased regulations, premiums tend to rise. Conversely, in a soft market, premiums may decrease due to heightened competition and favorable economic conditions.
  6. Creditworthiness:

    • Some insurers consider a business’s credit history and financial stability when determining insurance rates.
    • A strong credit profile may indicate financial responsibility and reduce the perceived risk of defaulting on insurance premiums.
  7. Loss Prevention Measures:

    • Businesses that implement proactive loss prevention measures, such as employee training programs, safety protocols, and risk management strategies, may qualify for premium discounts or credits.
    • Insurers often offer incentives for businesses that demonstrate a commitment to minimizing risks and preventing losses.

In summary, business insurance rates are determined by a combination of risk factors, underwriting guidelines, market conditions, coverage options, and loss prevention measures. Insurers carefully evaluate these factors to price policies accurately and ensure the financial stability of their underwriting portfolios.

Why choose Goodlad & Swank to cover your business?

Elevate the security of your business operations with Goodlad and Swank Business Insurance, your ultimate partner in protecting what you’ve worked so hard to build. Imagine a safety net tailored to your unique enterprise, shielding you from the unpredictable storms of the business world. At Goodlad and Swank, we recognize that your business is more than just a venture; it’s a labor of love, and it deserves the utmost protection against unforeseen risks and liabilities.

What distinguishes Goodlad and Swank Business Insurance is our unwavering dedication to understanding the intricacies of your business. Our policies are not one-size-fits-all; they’re meticulously crafted to address the specific needs and challenges of your industry. Whether you’re a small startup or a thriving corporation, our comprehensive coverage options span everything from property and liability protection to cyber insurance and employee benefits. With Goodlad and Swank, you’re not just purchasing insurance; you’re investing in the longevity and resilience of your business.

Beyond the assurance of coverage, choosing Goodlad and Swank means gaining a strategic ally committed to your success. Our team of seasoned professionals is here to provide expert guidance on risk management, compliance, and industry best practices, empowering you to navigate the complex landscape of business insurance with confidence. From swift claims processing to proactive risk assessments, we’re dedicated to keeping your business running smoothly, no matter what challenges arise. Don’t leave the future of your business to chance. Partner with Goodlad and Swank Business Insurance and safeguard your enterprise against the unexpected today.

Committed to
Serving Our Customers

Goodlad & Swank Insurance is a family-owned insurance agency founded in 2009. We’ve built a team of knowledgeable professionals that value integrity, caring for our clients, and offering you superior service.

We’ve partnered with one of the largest selections of carriers in all of Florida making it easy for you to have a one-stop-shop for all your insurance needs.

An unforeseen event coupled with inadequate insurance can quickly result in financial trouble. We recognize that addressing insurance may not be your idea of fun, but our goal is to make the process as enjoyable as possible. In the end, you may just find yourself letting us know what the grandkids are up to or how the honeymoon went. Get to know us, you’ll be happy you did. 


Our Services

Homeowners Insurance

You can access the top-rated insurance companies in Florida for primary and second homes, condos, and the property you rent to others.

Auto Insurance

You benefit because we’ve partnered with some of the largest, most-respected auto insurance carriers in the industry to provide coverage for cars, motorcycles, motor homes, and recreational vehicles.

Business Insurance

Your business is growing your business. Our business is working to guard you against the risks you face every day. Find out how to protect your business.

Condo Insurance

We work with premium carriers and brokers to offer a full suite of insurance options for residential condominium associations across Southwest Florida.

Flood Insurance

Get protected. Goodlad & Swank offers coverage through the National Flood Insurance Program as well as private flood insurance carriers.

Life Insurance

Protect your legacy. Whether life insurance is for your family or your business we can help you find the right policy at the best possible price.

Satisfied clients

Have been working with Goodlad & Swank agency for five years. Have always been very helpful!

Daniella W.

This is an amazing company to do business with. I have several properties and slowly I have changed all properties to be with Goodlad & Swank Insurance.

Ody O.

Great services. I have been using them for several years now. Thanks team!

Steve C.

Competitive rates and excellent service. Really nice folks to do business with. Highly recommend!

Mike H.

Fast, courteous, professional service with comparable rates. What else do you need?

Len M.

Had one of the best experience ever at this insurance company. You feel like family and everyone here is friendly.

Moises M.

I had a great experience with this Company! I highly recommend! Mary Beck was very helpful, very professional and very quick to respond to my emails.

Tina C.

Have been working with Goodlad & Swank agency for five years. Have always been very helpful and have given us good options to choose from.

Daniella W.

I had some issues with my previous home owners insurance company. David at Goodlad & Swank went above and beyond to try to help me out.

Chandace S.

Excellent customer service, extremely knowledgeable of all insurance needs. I highly recommend this company!

Robin Y.

Went out of their way to be professional and helpful. Would highly recommend this agency.

Carmen C.

Join our many, happy customers!

Goodlad & Swank

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