Updated July 14, 2026
Business Insurance in Hollywood, Florida
Business insurance in Hollywood starts with what the local economy actually does. Broward County runs on retail store and import & export business work, and those operations buy very different policy sets. Workers compensation is a legal requirement for most Florida employers, which makes payroll the first number a Hollywood quote conversation turns to. The sections below move from requirements to typical costs to the Hollywood guide for your specific business type.
Broward County businesses
67,274
establishments
Leading trade
7,266
retail store establishments
Workers compensation
Required
once you have 4 or more employees
Local guides
236
Hollywood business types covered
What shapes quotes in Hollywood
Wind and hail claims shape local commercial property pricing. Separate storm deductibles are common, and closure coverage decides what a bad season actually costs.
Contracts and proof of coverage
Landlords, lenders, and general contractors in Hollywood routinely ask for certificates of insurance before work starts. The policy set below is usually what those contracts check.
Rules and where to verify
Rules change, and the Florida Office of Insurance Regulation is the authoritative source for what Florida currently requires. The legal floor in the table above is where verification starts.
The Most Common Business Types in Broward County
Census establishment counts show which trades dominate the local market. Each links to its coverage guide.
| Business type | Establishments in Broward County |
|---|---|
| Retail Store | 7,266 |
| Import & Export Business | 4,405 |
| Restaurant | 3,689 |
| Consulting | 3,398 |
| Law Firm | 2,517 |
| Physician | 2,027 |
| Real Estate Agent | 2,025 |
| Real Estate Broker | 2,025 |
What Florida Requires for Hollywood Businesses
Insurance requirements are set at the state level, so the legal floor in Hollywood is Florida's. Clients, landlords, and general contractors often require more by contract.
| Requirement | What Florida law says |
|---|---|
| Auto liability minimums | $0/$0/$10,000 (bodily injury per person / per accident / property damage). These floors apply to personal and business vehicles alike; lenders and contracts often require more. |
| Workers compensation | Generally required once you have 4 or more employees. Some roles are exempt, so confirm current thresholds before you hire. |
| Where to verify | Florida Office of Insurance Regulation publishes current requirements, consumer guides, and license lookups. |
What Business Insurance Typically Costs in Hollywood
Typical Hollywood ranges for the core commercial lines. Your quote prices each policy against your own operations, payroll, and claims history.
| Coverage | Typical range in Hollywood | What moves your price |
|---|---|---|
| General Liability Insurance | $50 - $190 per month | Industry and risk classification, annual revenue, number of employees |
| Workers Compensation Insurance | $0.75 - $2.74 per $100 of payroll | Employee classification codes, total annual payroll, experience modification rate |
| Commercial Auto Insurance | $170 - $600 per month | Fleet size and vehicle types, driver records and experience, coverage limits and deductibles |
| Commercial Property Insurance | $120 - $625 per month | Building value and construction type, roof age and condition, fire protection class |
| Business Owners Policy Insurance | $80 - $290 per month | Annual revenue and industry class, building and contents values, square footage and building age |
| Professional Liability Insurance | $55 - $270 per month | The services you actually perform, annual revenue or billed fees, limit and retention selected |
Prices shown are general estimates, not guaranteed rates or quotes. Your actual premium will depend on the insurer, coverage selected, business details, location, claims history, and other underwriting factors.
How to Get Business Insurance Quotes in Hollywood
Describe the operation
Describe the operation honestly: trade, services, revenue, payroll, and how much of the work is subcontracted. The classification drives the price more than any discount.
Gather the inputs
Gather the paperwork quotes are built from: vehicle schedule and drivers, prior loss runs, a tool and equipment list, and any contracts that name required limits.
Match limits to contracts
Set limits against what your contracts demand. The state minimum satisfies the law; the contract usually asks for more, and certificates get checked.
Compare carriers
Shop the same coverage across carriers before binding. Identical operations can quote apart, which makes comparison worth more than most discounts.
Business Insurance Guides for Hollywood
Coverage guides written for how each trade actually operates in Hollywood.
Retail Store
Get a retail store insurance quote built around your shop's location, inventory, and customer traffic.
Import & Export Business
Import and export business insurance can help wholesalers and distributors with cargo loss, goods in transit, and liability gaps across the supply chain.
Restaurant
Get a restaurant insurance quote built for food service operations.
Consulting
Consulting insurance helps protect advisory firms when a client says advice, analysis, or project work caused a loss.
Law Firm
Get a law firm insurance quote tailored to your practice areas, office setup, and client-data exposure.
Physician
Get a physician insurance quote for a combined program that may include malpractice, cyber, and office coverage.
Real Estate Agent
Get a real estate agent insurance quote tailored to your role, your brokerage, and the transaction risks you handle every day.
Real Estate Broker
Get a real estate broker insurance quote designed for E&O exposure, cyber risk, and day-to-day brokerage operations.
Auto Mechanic
Get coverage built for auto repair shops, from garage liability insurance to garage keepers coverage and commercial property insurance for auto shops.
Mortgage Broker
Get a mortgage broker insurance quote built around your brokerage’s client-facing and data-sensitive work.
Roofing
Get roofing insurance coverage shaped around your crews, tools, vehicles, and job-site requirements.
Towing Company
Protect tow trucks, customer vehicles, and roadside jobs with coverage built for towing operations.
Show all 236 Hollywood guidesShow fewer guides
FAQ
Business Insurance in Hollywood: FAQ
Most Hollywood businesses start with general liability insurance, and Florida generally requires workers compensation once you hire. Vehicles used for work typically call for commercial auto insurance, and premises or equipment point to property coverage. Your trade's guide covers the specifics.
There is no single Hollywood rate. Premiums track your trade's risk class, payroll, vehicle schedule, and the limits your contracts require. The Florida ranges above show where the core lines typically land.
Generally yes. Florida requires workers compensation for most employers once staff thresholds are met, with some role exemptions. Confirm the current rule before you hire, and expect contracts to ask for proof.
Start with an honest description of the work, collect your claims history and contract requirements, and put the same specification in front of multiple carriers. The Hollywood trade guides on this page go deeper by business type.
Usually no. Homeowners policies typically exclude or sharply limit business activity, so client visits, inventory, and equipment at home generally need their own coverage even for a small operation.
Sources
- 1.U.S. Census Bureau, County Business Patterns (2022), Broward County(Broward County counts 67,274 business establishments.)
- 2.U.S. Census Bureau, County Business Patterns (2022), Broward County(Broward County has 7,266 retail store establishments, the most of any covered business type.)