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.
A recent Sun Sentinel article (August 16, 2025) raised a critical question: should high-rise residents stay during a CategoryâŻ5 hurricaneâor evacuate? While some concrete-and-steel buildings are designed to endure extreme winds, experts caution that evacuation is often the safest choice due to risks like flooding, power outages, debris, and limited emergency response access.
Why Evacuation Is the Safer Option
CategoryâŻ5 winds exceed 157âŻmph, capable of causing catastrophic building damageâespecially when combined with storm surge and flooding Wikipedia.
Even structurally sound high-rises can become unsafe due to broken glass, elevator failures, prolonged power loss, or compromised emergency systems.
Emergency officials consistently advise evacuating when warned, as delays can become life-threatening AP News.
Insurance: Know Whatâs Coveredâand Whatâs Not
If youâre a high-rise condo owner in Florida, itâs crucial to understand how insurance works before disaster strikes:
Condo Association (Master) Policy Typically covers the buildingâs exterior and common elements, like walls, roof, and lobby. Windstorm and hazard coverage is mandatory for Florida coastal associationsâthough some may attempt to exclude wind coverage, this generally requires member approval Williams Law.
Your Individual HOâ6 (UnitâOwners) Policy Covers what’s inside your bare wallsâincluding walls, floors, ceilings, personal belongings, loss of use, liability, and assessments from damage to shared areas Slide InsuranceMerlin Law Group.
Itâs vital to confirm that your policy includes windstorm damages, hurricane deductibles, and loss assessment coverage.
Hurricane Deductible Details Florida requires insurers to offer hurricane deduciblesâoften fixed dollar amounts ($500) or percentages (2%, 5%, 10% of dwelling limit) myfloridacfo.com. Know your deductible and how it applies to each claim.
Coverage Gaps Can Be Costly Without proper HO-6 coverage, you could be left footing the bill for interior repairs, replacement of belongings, temporary living expenses, or fees levied by your association.
What You Can Do Now
Review both your associationâs policy and your HO-6 policyâespecially coverage for wind, content, loss assessments, temporary living expenses, and liability.
Clarify your hurricane deductible: Understand its amount, how itâs applied, and if it resets each storm season.
Assess gaps or overlapsâfor example, if your unitâs walls-in coverage is inadequate or if your personal property isn’t fully protected.
Let Barefoot Insurance Brokers Help
Improve your storm preparedness and peace of mind with expert guidance:
Schedule a policy review with Barefoot Insurance Brokers to ensure your HO-6 coverage aligns with your building associationâs master policy.
We also offer tailored quotes for your condominium associationâs insurance, helping you compare and secure the right scope and pricing.
Located in Florida, we specialize in hurricane-savvy coverageâour clients get clarity and confidence before the next storm hits.
In summary: Evacuating during a Category 5 storm is the prudent choiceâeven in well-built high-rises. But beyond evacuation, being insurance-ready is just as critical. Donât wait until it’s too lateâconnect with Barefoot Insurance Brokers now to review and shore up your coverage.
About the Author Julia Dourvetakis is a Licensed Independent Insurance Agent with Barefoot Insurance Brokers, bringing over 30 years of experience to the insurance industry. She specializes in coastal property insurance, workersâ compensation, Condo Association Packages, general liability, and professional liability coverage. Julia is licensed to sell commercial insurance products in Florida, Mississippi, North Carolina, and Colorado. To connect with Julia for tailored insurance solutions, email her at julia@barefootins.com or call/text 954-866-5723.
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.
As we head deeper into 2025, technology errors and omissions insurance (Tech E&O) is quickly becoming a must-have for Florida-based technology providers, SaaS companies, MSPs, and even digital marketing firms. This surge is being driven by increasing contractual requirements, heightened cyber threats, and evolving privacy laws.
At Barefoot Insurance Brokers, we help business owners not only secure affordable Tech E&O coverage, but understand the why behind it.
Soâwhatâs driving the demand? Our underwriting partners and carriers like Corvus have flagged three major trends that every business owner should know:
đ 1. Credential-Based Attacks Are Surging
Ransomware is evolvingâand attackers are getting smarter. One of the biggest threats in 2025 is credential-based attacks targeting:
Weak or reused passwords
VPNs without multifactor authentication (MFA)
Remote access tools with poor security
According to industry data, nearly 30% of ransomware incidents in late 2024 stemmed from compromised credentials. The MOVEit breach is a perfect example: over 2,700 organizationsâincluding universities and hospitalsâwere affected, even if they never used the software directly.
Tech E&O policies with strong cyber endorsements can help cover these types of vulnerabilities and protect businesses from third-party liability.
âď¸ 2. Privacy Lawsuits Are Heating Up
In 2024, lawsuits under BIPA, CCPA, CIPA, and similar data privacy regulations increased dramaticallyâand that trend is continuing into 2025. Even without a data breach, companies are facing legal action due to:
Improper cookie use
Ad tracking without consent
Sharing video or behavioral data
What does this mean for your Florida-based business? You need:
Clear privacy policies
Consent management tools
Cyber insurance that covers regulatory defense and fines
Our team at Barefoot Insurance Brokers will work with underwriters who understand these exposures and can tailor coverage to your businessâs actual risk.
đŠâđť 3. Specialized Underwriters Make a Big Difference
Tech E&O applications can be complex. Underwriters are now asking detailed questions about:
Data collection and retention practices
Whether users can opt out of tracking or sharing
Security protocols like MFA and endpoint protection
Thatâs why itâs crucial to work with specialized Tech E&O and Cyber underwritersânot generalists. At Barefoot Insurance Brokers, we partner with carriers who combine underwriting with cyber risk advisory and claims expertise to deliver smarter policies and faster responses when it counts.
đĄď¸ Secure Your Tech E&O Insurance with Confidence
Whether your business is in Miami, Orlando, Tampa, Jacksonville, or anywhere across Florida, our team at Barefoot Insurance Brokers is here to help you navigate this rapidly changing market.
We offer custom Tech E&O and cyber liability insurance solutions that meet contract demands and protect your business from real-world riskâat competitive rates.
2025 is no time to leave your business exposed. Let us help you stay protected and compliantâbefore a cyber incident or privacy complaint becomes a costly problem.
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.
