Core coverages in this program
- •Errors & Omissions (professional liability)
- •Cyber Liability
- •General Liability (for client site visits and events)
- •Workers' Compensation (once you have W-2 staff)
- •Hired & Non-Owned Auto
- •Technology E&O for implementation work
Florida requirements for consultant businesses
Florida consultants register with the Division of Corporations and obtain a county business tax receipt. Public-sector consulting in Florida usually requires named-insured certificates, E&O evidence, and sometimes a performance bond for larger contracts.
Workers' compensation in Florida
Florida requires workers' compensation at one employee for construction, four employees for most non-construction businesses, and one employee for agricultural operations with a seasonal threshold. Rates are developed through NCCI, with rates filed through the Florida Office of Insurance Regulation, and consultant payroll typically rates at $0.20 to $0.60 per $100 of payroll for consulting and clerical class codes. Named-storm deductibles, roof-age underwriting, and Citizens/E&S property placements dominate Florida property pricing. Liability is usually easy to place; property is where the program gets structured.
What Florida operators actually pay in 2026
The ranges below reflect what KTL clients in Florida pay today for a small-to-midsize operation, adjusted for Florida rating. Your actual premium turns on payroll, revenue, loss history, and — more than anything — whether the risk was classified correctly to begin with.
| Coverage | What it covers | Typical FL annual cost |
|---|---|---|
| Errors & Omissions | $1M/$1M, solo to 5-person practice | $900 – $3,200 |
| Cyber Liability | Client data and email fraud | $600 – $2,200 |
| General Liability | $1M/$2M, client site access | $450 – $1,400 |
| Combined E&O + Cyber | Packaged for small consultancies | $1,300 – $4,200 |
| Hired & Non-Owned Auto | Client travel in personal vehicles | $350 – $1,100 |
The Florida angle most brokers miss
Florida public-entity consulting requires precise certificate wording and sovereign-immunity-aware indemnity terms. We prepare the certificate package before award, not after.
Exposures we underwrite for Florida accounts
Every submission we send out is built around the specific ways businesses in this class actually have claims. That is what separates a benchmarked program from a rate quote.
- •Client claiming your recommendation caused financial loss
- •Scope disputes on fixed-fee engagements
- •Wire fraud triggered by a spoofed invoice
- •Confidential client information exposed through a personal device
- •Contractual limits in an MSA exceeding your current policy
Where we write in Florida
We serve Florida clients remotely by phone, email, and video — no office visit required — with concentrations in Miami–Dade, Broward, Orlando, Tampa Bay, Jacksonville, Fort Myers. New business, renewals, mid-term changes, and certificates are all handled directly by a licensed advisor rather than a call center.
Ready for a benchmarked quote?
A KTL specialist will shop your risk across multiple A-rated markets within one business day.