Are you a florist, garden center, or plant shop owner in Florida? Whether you’re arranging orchids in Vero Beach (32960) or growing your gift shop in Lakeland (33801), your retail operation deserves the right protection to thrive.
At Barefoot Insurance Brokers, we specialize in helping small businesses like yours secure tailored coverage through the Progressive Business Owners Policy (BOP)âa flexible, all-in-one insurance package built for retail and service-based businesses across the Sunshine State.
đż Why Florida Florists Need a Business Owners Policy (BOP)
As a florist or plant retailer, your shop is more than just a storefrontâit’s where creativity meets commerce. With perishable inventory, fragile equipment, and daily foot traffic, one unexpected incident could disrupt your operations. Thatâs where a Progressive BOP comes in.
â Included in a Progressive BOP for Florists:
Business Property Coverage (for your flowers, displays, fridges, and decor)
General Liability Protection (if a customer slips or property is damaged)
Business Interruption Insurance (replaces lost income if you must close due to a covered loss)
Equipment Breakdown (including refrigeration or HVAC systems)
With Progressive’s strong appetite for retail and gift shop classes, florists and plant shop owners are a perfect matchâespecially if you donât manufacture or import your products, and your business operates under 4 locations and $5M in total insured value.
đ´ Tailored Coverage for Florida ZIPs
We proudly serve retail florists and garden businesses throughout:
Lakeland (33801)
Vero Beach (32960)
Tampa (33614)
Naples (34102)
Port St. Lucie (34953) âŚand all across Floridaâs coast and central communities.
Looking for florist insurance near me or business insurance for plant shops in Florida? Youâve found your go-to agency.
đ Bundle Peace of Mind with Your Petals
Whether you’re a seasoned florist with an established clientele or a new plant shop opening in a Florida neighborhood, Barefoot Insurance Brokers can help you quote fast, save with multi-policy discounts, and protect your business from common risks.
You can even bundle your Progressive BOP with Commercial Auto or a Personal Auto policy to unlock extra savings!
đ Letâs Protect Your Passion
Inquiries? Contact Julia Dourvetakis at: đ§ julia@barefootins.com đ 954-368-0060 x5
We’ll help you grow a policy as customized as your bouquets. đ¸
đ Serving All of Florida & Georgia
Barefoot Insurance Brokers is proud to insure businesses in Florida and Georgia with the local insight and carrier access you deserve.
Florida boaters face more than just sunshine and salty air. From hurricane season to theft risks and boating injuries, the right boat insurance policy isn’t just smartâit’s essential.
At Barefoot Insurance Brokers, we work with leading carriers like Progressive, GEICO, Ahoy!, and American Integrity to help you find the best coverage at the best price. If youâre searching for boat insurance in Broward County, read on to learn what your policy should coverâand why it matters.
đĽď¸ So, What Does Florida Boat Insurance Actually Cover?
Hereâs what most standard Florida boat insurance policies include:
â 1. Liability Coverage
Covers bodily injury or property damage to others if you’re at fault in a boating accident. Required by many marinas and highly recommended in high-traffic areas.
â 2. Physical Damage
Pays for repairs or replacement of your boat due to collisions, sinking, fire, vandalism, or theft. Can apply to the hull, motor, electronics, and more.
â 3. Theft & Vandalism
Florida has one of the highest boat theft rates in the country. Your policy can cover stolen boats, trailers, or onboard items, depending on the carrier.
â 4. Hurricane & Storm Damage
Yesâhurricane coverage is available through many of our insurers, but you need to act early in the season before storm restrictions apply.
â 5. Medical Payments & Guest Liability
Helps cover medical expenses if you or your passengers are injured while on the water.
â 6. Fuel Spill & Wreckage Removal
Covers cleanup costs if your boat leaks fuel or sinksâsomething not always included by default.
đ´ Serving Coastal Broward County Boaters
We’re proud to insure boat owners in the five most populated coastal areas of Broward County, including:
City
ZIP Codes
Fort Lauderdale
33301, 33304, 33305, 33308
Hollywood
33019, 33020, 33021
Pompano Beach
33060, 33062, 33064
Deerfield Beach
33441, 33442
Dania Beach
33004, 33312
South Florida Zip Codes with Affordable Pricing
Whether you’re docked at home, in a marina, or trailering your boat to the Keys, weâll help make sure you’re covered from bow to stern.
đ° Rates Start at Just $75 Per Year
Yes, you read that rightâboat insurance through Progressive starts at just $75 annually for eligible vessels. Premiums vary based on your boatâs value, age, use, and ZIP code, but we shop multiple carriers to make sure you’re getting the best deal.
đ Ready for a Quote?
Let Zack Epstein at Barefoot Insurance Brokers help you compare quotes and find the perfect marine policy for your boat, lifestyle, and budget.
If you’re lucky enough to boat in the Florida Keys, you already know the joy of island hopping, reef fishing, and sunset cruising. But thereâs one question we hear often from Keys residents and visitors alike:
âDo I need boat insurance in Florida?â
The short answer: Boat insurance is not legally required by the state of Florida for recreational vessels. But just because itâs not mandatory doesnât mean you should go without it â especially in a place as unique (and storm-prone) as the Florida Keys.
Why Boat Insurance Is Highly Recommended in the Florida Keys
While Florida law doesnât require boat insurance, there are situations where it is required:
If you finance your boat â lenders usually require full coverage.
If you dock at a marina â many marinas require proof of liability insurance.
If you’re involved in an accident â youâll want coverage for damage, injuries, or lawsuits.
And letâs not forget: hurricane exposure in the Keys is one of the highest in the country. A single storm can result in significant vessel damage or total loss. Without insurance, you could be on the hook for thousands out of pocket.
Boat Insurance Starts at Just $75/Year
At Barefoot Insurance Brokers, we work with top carriers including Progressive, Ahoy!, GEICO, and American Integrity, and can find policies starting at just $75/year for basic coverage. Whether you need liability-only protection or full hull and motor coverage, weâll help you navigate your options.
The 5 Most Populated Coastal Areas in the Florida Keys (With Zip Codes)
We help boaters from Key Largo to Key West get covered quickly and affordably. If you live in or dock your boat near any of the following areas, we’ve got you covered:
1. Key West
Zip Codes: 33040, 33041
Known for sailboats, fishing charters, and day cruisers.
2. Key Largo
Zip Codes: 33037
Popular for center consoles and dive boats in Pennekamp Coral Reef State Park.
3. Marathon
Zip Codes: 33050
A boating hub with lots of marina traffic and offshore fishing vessels.
4. Islamorada
Zip Codes: 33036
The âSportfishing Capital of the World,â where insurance is essential for high-value gear and vessels.
5. Big Pine Key
Zip Codes: 33043
Home to quiet backwaters, flats boats, and paddle craftâstill worth insuring against theft or storm loss.
Protect Your Peace of Mind â Let Us Shop for You
Every vessel, every boater, and every budget is different. Thatâs why we shop across multiple marine insurance carriers to find you the best combination of price, coverage, and service. Whether youâre a weekend cruiser or a full-time liveaboard, weâll get you the protection you need at a price you can afford.
đ Call or Email Zack Epstein Today
Zack Epstein specializes in Florida boat insurance and knows the Florida Keys like the back of his hand.
Florida is home to more registered boats than any other stateâand with good reason. Whether you’re cruising the Gulf, exploring the Keys, or enjoying the Intracoastal Waterway, owning a boat is part of the Florida lifestyle. But the question we hear most often from Florida boaters is: “How much is boat insurance in Florida?”
The Quick Answer: Boat Insurance in Florida Starts at Just $75/Year
At Barefoot Insurance Brokers, we represent Progressive, Ahoy!, GEICO, and American Integrity, which allows us to compare rates and coverages across multiple top-rated insurers. With Progressive, annual boat insurance policies in Florida start at just $75/year, depending on your boat type, location, and desired coverage.
Why Your Zip Code & Boat Type Matter
The cost of your policy can vary based on:
Boat type (fishing boat, pontoon, sailboat, powerboat, personal watercraft, etc.)
Your zip code and where the boat is stored or used
Coverage limits (liability-only vs. full coverage)
Boating experience & claims history
Thatâs why itâs important to speak with a marine insurance specialist who can shop around on your behalf.
5 Most Populated Coastal Regions in Florida (With Key Zip Codes)
If you’re in one of Florida’s most populated coastal areas, chances are weâve helped your neighbors secure better marine coverage at the best price.
1. Miami-Dade County
Main Zip Codes: 33139 (Miami Beach), 33133 (Coconut Grove), 33160 (Aventura)
Popular for center consoles, yachts, and sportfishing boats.
2. Tampa Bay Area (Hillsborough & Pinellas Counties)
Main Zip Codes: 33602 (Tampa), 33701 (St. Petersburg), 34698 (Dunedin)
Great for bay boats, deck boats, and sailboats.
3. Fort Lauderdale / Broward County
Main Zip Codes: 33316 (Harbordale), 33004 (Dania Beach), 33062 (Pompano Beach)
Known as the “Yachting Capital of the World.”
4. Jacksonville / Duval County
Main Zip Codes: 32210, 32223, 32207
Popular for bass boats and cruisers in the St. Johns River and Atlantic coast.
5. Palm Beach County
Main Zip Codes: 33480 (Palm Beach), 33410 (Palm Beach Gardens), 33401 (West Palm Beach)
High demand for coverage on center consoles, luxury vessels, and jet skis.
We Shop Rates for You â So You Donât Have To
Whether you’re storing your boat in Fort Lauderdale, sailing from St. Pete, or trailering to the Keys, Barefoot Insurance Brokers will compare quotes from multiple insurers to find the best protection at the lowest possible cost.
Our team understands that cost is a major concern â and weâre here to help you find coverage that fits your budget without cutting corners on protection.
đ Call or Email Zack Epstein Today
Zack Epstein is your go-to Florida marine insurance agent and is ready to help you compare policies and get covered fast.
Why Do You Need an SR-22 Insurance Policy in Florida?
If youâve been told you need an SR-22 in Florida, you may be feeling confused or overwhelmedâbut you’re not alone, and help is available. At Barefoot Insurance Brokers, we specialize in assisting drivers across Broward County with obtaining affordable SR-22 insurance, even in complex or high-risk situations.
What Is an SR-22?
An SR-22 is a certificate filed by your insurance company with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) to prove that you carry the minimum required auto liability coverage. Itâs often required to reinstate a suspended or revoked license and is a common part of the process for drivers with past violations.
Common Reasons You Might Be Required to File an SR-22:
DUI or DWI conviction
Driving without insurance
Multiple traffic violations or reckless driving
License suspension due to unpaid tickets or child support
Involvement in an accident while uninsured
Reinstating your license after a lapse in coverage
Whether you own a vehicle or not, youâll need the right type of SR-22:
Owner SR-22: For those who own a car.
Non-Owner SR-22: For drivers without a car who still need to maintain legal driving status.
Affordable SR-22 Insurance Carriers
Many standard insurers wonât provide SR-22 filings, or they charge hefty premiums. Fortunately, Barefoot Insurance Brokers works with trusted, competitive carriers known for their willingness to work with high-risk drivers:
Progressive
Dairyland
GAINSCO
United Automobile Insurance Company
These companies offer flexible and cost-effective SR-22 policies, making them ideal for drivers looking to meet state requirements without overpaying.
Serving Broward County Drivers with Experience and Care
If youâre located in Fort Lauderdale, Lauderdale Lakes, Tamarac, Wilton Manors, or Hollywood, Laurel Schwartz is your go-to agent for fast, reliable SR-22 quotes. With years of experience helping Florida drivers navigate tough insurance situations, Laurel will walk you through the process and make sure your filing is completed correctly and quickly.
đ Call Laurel Schwartz today at 954-368-0060, ext. 9 đ§ Or email laurel@barefootins.com to request your Owner or Non-Owner SR-22 insurance quote.
At Barefoot Insurance Brokers, we help Florida drivers get back on the roadâwith confidence and compliance.
Experience the peace of mind that comes with Quantum Boat 2.0. đ¤ This advanced coverage provides comprehensive protection for your boat’s mechanical systems. Contact your independent agent for a quote today. #BoatingSafety #Insurance #Travelers
