Independent agency serving Miami-Dade & all of Florida

Mon–Fri 9–8 · Sat 9–6Se habla español

Ocean Trust Insurance & Financial Services

Commercial Insurance · Miami & South Florida

Secure Your Business, Build Your Future

Protect your business from unexpected risks with our commercial insurance plans. From liability to property coverage, we offer tailored solutions that keep your operations running smoothly. Let’s secure your success together.

Excellent · 232 Google reviews25+ carriers compared
Commercial Insurance You Can TrustLiability, property & more

Business insurance quote

Get a commercial insurance quote for your company

Tell us your industry, payroll and vehicles. A licensed agent compares 25+ carriers and sends a no-obligation quote, usually the same business day.

Start my free quote Talk to an agent

Homestead · Miami-Dade · English & Spanish

What’s covered

Commercial Insurance You Can Trust

General liability, property and business insurance for Florida companies. Your agent tailors limits and deductibles to your situation and budget.

Property Damage Coverage

Protects your business property from damage.

Inventory Coverage

Safeguards stock and equipment against loss.

Business Interruption Coverage

Covers lost income during operational downtimes.

Liability Protection

Protects against legal claims and damages.

Equipment Breakdown Coverage

Covers repair or replacement of essential equipment.

Employee Liability Coverage

Protects against employee-related claims and liabilities.

Ocean Trust advantage

Secure Your Business with Ocean Trust Commercial Insurance

At Ocean Trust, we offer comprehensive commercial insurance solutions designed to protect your business, assets, and employees. From property damage to liability coverage, our plans ensure you’re safeguarded against unforeseen risks. With our expertise and personalized service, you can focus on growing your business while we handle the complexities of insurance. Choose us for tailored coverage, competitive rates, and unparalleled customer care.

  • Quotes from 25+ carriers in one call
  • Local agents in Homestead · English & Spanish
  • Help with claims, changes and renewals

Coverage for your industry

Commercial insurance types we offer

Policies for storefronts, fleets, crews, offices and home-based businesses across Miami-Dade and Florida. We can combine them into a single program.

General Liability

Third-party bodily injury, property damage and advertising claims.

Get a quote
Commercial Property

Buildings, contents, inventory and equipment against fire, theft and storms.

Get a quote
Business Owners Policy (BOP)

Bundles general liability and property for small and mid-size businesses.

Get a quote
Workers’ Compensation

Employee injuries, lost wages and employer liability, as Florida requires.

Get a quote
Commercial Auto

Fleets, vans, trucks and hired or non-owned vehicles.

Get a quote
Professional Liability (E&O)

Errors, omissions and legal defense for the advice or services you provide.

Get a quote
Cyber Liability

Data breaches, ransomware, customer notification and legal costs.

Get a quote
Umbrella / Excess Liability

Extra limits above your general liability, auto or property policies.

Get a quote
Business Interruption

Lost income and fixed costs while your business is closed after a covered loss.

Get a quote

Work vehicles are insured under commercial auto insurance, while employees who drive their own cars may also need personal auto insurance. We also place product liability, D&O, employment practices and commercial crime coverage. Not sure what fits? Talk to a licensed agent.

Free quote

Get your free commercial insurance quote today

Share your details and a licensed agent will compare carriers and send a no-obligation estimate tailored to you.

Commercial Insurance quote

A licensed agent will reach out shortly.

Your information is private and never sold.

Reviews

What our clients say

Excellent — based on 232 Google reviews

G
“Quiero dejar unas palabras para agradecer la excelente atención que recibí de parte de Alex, el agente de seguros. Desde el primer momento fue muy amable, paciente y claro para explicarme todo. Yo ya soy una persona mayor y a veces estas cosas me cuestan un poco, pero Alex me trató con mucho respeto y dedicación,…”
MMaribel GuevaraGoogle review · Aug 2025
G
“I had a great experience with Ocean Trust and Financial Services! The attention was excellent from start to finish. Fernández took the time to understand my needs and helped me find the best insurance option possible. I truly felt guided and supported throughout the process. Highly recommended!”
LLeyser MartinezGoogle review · Aug 2025
G
“Este ha sido un servicio inigualable por parte de José Luis Fernández. Ha sido paciente y muy amable además de proveerme del seguro que estaba buscando. Gracias por su excelente trabajo”
GGladys ArevaloGoogle review · Aug 2025

Ready to protect your business?

Compare commercial quotes from 25+ carriers. Need personal coverage too? Explore auto insurance or talk to an agent.