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☀️ Florida · Shopping Center & Office Building Insurance

Shopping Center & Office
Building Insurance in Florida

Lessor's Risk · Property · General Liability · Loss of Rents — licensed Florida specialists with 20+ years of commercial insurance experience.

📍 Licensed in FL · TX · CA · AZ · GA · WA · DC

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✓ Licensed in Florida
✓ 20+ Years Experience
✓ Independent — 6 Carriers Shopped
✓ Lessor's Risk Specialists
✓ Same-Day Quotes
Florida Shopping Center Insurance

Protecting Florida Commercial Property Owners for 20+ Years

Secure Risk Partners is licensed in Florida and specializes in shopping center and office building insurance across the state. Florida's retail market is tourism-driven and hurricane-exposed — proper coverage requires understanding both.

As an independent agency we shop Hartford, Travelers, Lloyd's of London, Hiscox, Progressive, Guard and more to find you the best coverage at the best price.

📞 Call (469) 983-2600
Florida By The Numbers
7,000+
Shopping Centers in FL
Tourism
Driven Retail
Hurricane
High Risk

Florida shopping center owners face significant hurricane property exposure and high premises liability

Workers' comp is required for Florida businesses with 4 or more employees. Hurricane coverage is essential for all Florida commercial property owners.

Florida Coverage

Every Coverage Florida Commercial Property Owners Need

We write all of these for Florida shopping center and office building owners — individually or as a complete package.

🏬

Lessor's Risk (LRO)

Core coverage for building owners who lease to tenants. Covers your building, common areas and premises liability as the property owner.

🏗

Property Insurance

Building, common areas, parking and owner's property at replacement cost. Hurricane and windstorm coverage strongly recommended.

🤝

General Liability

Slip and falls in common areas, parking lots and entryways. Third-party injury and property damage claims.

📉

Loss of Rents

Replaces rental income lost when a covered loss makes tenant spaces unusable. Essential if rent covers your mortgage or operating expenses.

⚠️ Recommended✅

Umbrella / Excess Liability

Extends your liability limits above your underlying GL policy. Strongly recommended for all shopping center and office building owners.

👷

Workers' Compensation

Required for businesses with 4+ employees in Florida — competitive placement available.

Our Carriers

We Know Florida Commercial Property. We Know Your Risk.

Independent agency. 6 carriers compared. Licensed in Florida and 6 other states.

Hartford
Travelers
Lloyd's of London
Hiscox
Progressive
Guard
Common Questions

Florida Shopping Center Insurance FAQ

Is hurricane coverage included in my Florida commercial property policy?
Not automatically. Hurricane and windstorm coverage is often a separate endorsement or policy for Florida commercial properties. Given the catastrophic loss potential, we strongly recommend comprehensive hurricane coverage for all Florida shopping center owners.
What coverage do my tenants need to carry?
Your tenants should carry their own general liability and property policies covering their business contents and operations. Most well-drafted lease agreements require tenants to name you as an additional insured on their GL policy. We can review your lease requirements and help make sure you're properly protected.
Does my property policy cover tenant improvements?
It depends on the policy. Tenant improvements made by you as the landlord are typically covered under your building policy. Improvements made by tenants at their own expense are generally covered by the tenant's policy. We make sure the right coverage is in place for both.
Do I need an umbrella policy for my commercial property?
Yes for virtually all shopping center and office building owners. A serious slip-and-fall claim in a high-traffic commercial property can easily exceed standard GL limits. Umbrella coverage is inexpensive relative to the protection it provides.
How quickly can you get a Florida commercial property quote?
Same day in most cases. We need basic details — location, square footage, year built, tenant mix and current coverage — and we can have options in front of you within hours.
Do you cover properties with vacancy issues?
Yes. We work with carriers that can accommodate partially vacant properties. High vacancy can affect your coverage terms, so it's important to disclose occupancy levels accurately. Call us to discuss your specific situation.

Ready for Your Florida Quote?

Give us 15 minutes. We'll show you exactly what you need, what you're missing and what we can do. No obligation.

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Also Serving Florida

Other Industries We Cover in Florida

⛽ Gas Station Insurance — Florida 🏨 Hotel & Motel Insurance — Florida 🍽️ Restaurant & Bar Insurance — Florida 🏚 Apartment Insurance — Florida 👥 Employee Benefits — Florida
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💬 Ask Alex
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Alex
SRP Insurance Assistant
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