Business Insurance in Miami
Del Toro Insurance helps local companies protect their property, liability, and workforce across Miami-Dade and all of Florida.
Our independent brokers compare rates from over twenty top carriers to find your coverage.
Core Policies
What a small business in Miami actually needs
Every Miami enterprise requires tailored protection against liability, property damage, and workplace risks.
We guide local business owners through essential coverage options to ensure complete security.
General liability
Business owner's policy (BOP)
This policy covers third-party bodily injury, property damage, and legal defense costs resulting from everyday business operations.
A business owner's policy may combine eligible liability and property coverages in one policy. Pricing and available savings vary by insurer, business and coverage selected.
Professional liability
Workers' compensation
Also known as errors and omissions, this safeguards service providers against claims of negligence, mistakes, or incomplete work.
Our licensed team places mandatory coverage that pays medical expense benefits and lost wages for employees injured on the job.
• Fast Proof of Insurance
Certificates of Insurance, issued the same day for eligible policies
If you have an active business policy through our office, we can help you request a certificate of insurance for a client, landlord or job site. Send us the certificate holder and any contract requirements. Timing and additional insured requests depend on the policy and insurer; a certificate cannot change your coverage or policy limits
Coverage by trade
Different industries face distinct operational hazards and specialized insurance requirements in South Florida. Explore tailored policies for your industry, including commercial auto insurance in Miami for company fleets.
Contractors and trades
Shops and storefronts
Offices and professional services
We protect general contractors, electricians, plumbers, and specialty trades with heavy equipment, tools, and liability protection.
Retail stores, restaurants, and local storefronts receive specialized property coverage for inventory, glass, and customer trip hazards.
Law firms, accounting practices, and tech consultants get comprehensive professional liability paired with office contents protection.
Questions business owners ask us
Navigating commercial policies often creates questions about timeline, bundled savings, and jurisdictional coverage. Here are clear answers to common inquiries from local entrepreneurs.
How fast can I get a certificate of insurance?
Is a BOP cheaper than buying the coverages separately?
Contact our office with your active policy information, certificate holder and deadline. We will check what documentation can be issued and confirm the timing for your specific request. Same-day delivery is not guaranteed.
Sometimes, but not always. Compare the premium, coverage limits, deductibles and exclusions of a BOP with comparable separate policies before deciding.
Can you add an additional insured to my policy?
Do you cover businesses outside Miami?
Some policies allow an additional insured endorsement, subject to the insurer's terms and approval. Send us the contract wording so we can review the request. Listing a name on a certificate does not by itself add or change coverage.
While rooted in Little Havana, our agency writes commercial policies across Miami-Dade, Broward, and all Florida counties.
LANGUAGES:
English
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Portuguese - Falamos português
CONTACT DEL TORO INSURANCE:
1412 W Flagler St, Ste D
Miami, FL 33135.
OFFICE HOURS:
In-Person:
Monday–Friday: 9:00 AM–5:00 PM
Saturday: 9:00 AM–1:00 PM
Sunday: Closed*
Phone Support: Mon-Sat until 7:00 PM.
Online Quotes & Requests: 24/7
*Check our Google Maps listing for occasional Sunday openings.