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Commercial Insurance Services

You pour your time, heart, and soul into running your business, let us work with you to protect your assets, employees, and legacy. With Florida Heritage Insurance, you can count on finding policies which keep your business protected so you can focus on what you do best — running and growing your business.

Our agency is based in Wesley Chapel, FL and our agents serve clients across the state. In addition to business insurance plans, we also provide a complete selection of personal insurance policies.

General Liability Insurance

If your business is held legally responsible or sued in the event of damage or bodily injury, a general liability policy will keep you protected and prevent major financial losses. We will work with you to find the proper policy which fits your organizations needs. Coverages under this type of plan include:

  • Premises Liability
  • Products and Completed Operations
  • Premises Medical
  • Fire Legal Liability
  • Casualty Coverage

Commercial Auto Insurance

Whether your business owns an entire fleet of vehicles or maintains one work truck, we can help you find the commercial auto insurance policies to fit your situation. Our agents will work with you individually to ensure you create a customized policy. Coverages include:

  • Bodily Injury Liability
  • Medical Payments
  • Comprehensive Coverage
  • Collision Coverage
  • GAP Coverage
  • Personal Injury Protection (PIP) Coverage
  • Uninsured & Underinsured Motorist Coverage

Workers Comp Insurance

This type of policy lost wages and medical costs for an employee who is injured on the job. Under this policy, the employee keeps their income flow as they take time to recover. Without this type of policy, if your employees are injured on the job, they could sue your company for damages.


Our professional team offer a range of bond and license services to help keep your business protected. We know choosing the right bonds can be a difficult task, so we will work with you to help you meet all of your goals. Our bonding services include:

  • Performance Bonds
  • Contractor’s Bonds
  • ERISA Bonds
  • Fiduciary Bonds
  • Subdivision Bonds
  • Court Bonds
  • Conservator Bonds
  • Surety Bonds
  • Fidelity Bonds
  • Public Officials
  • Liquor Licenses

Restaurant Insurance

If you own a restaurant you understand as a business, it has unique needs and risks. Because of this, each restaurant requires an insurance policy as unique as it is. The agents at Florida Heritage Insurance are committed to helping you create a policy which keeps your establishment protected and allows you to focus on providing your customers with a memorable, great experience. Our restaurant insurance policies include coverages for:

  • Building Damage & Loss
  • Business Property Damage & Loss
  • Commercial Liability
  • Employment Practice Liability
  • Liquor Liability
  • Lost Business Income
  • Loss of Records
  • Extraordinary Expenses
  • Moneys & Securities
  • Food Safety
  • Crime
  • Worker’s Compensation
  • Employee Benefits
  • Hired Non-Owned Auto Insurance

Garage Insurance

If you own and operate an auto or truck repair facility, it is important to have an insurance policy which covers your business’ unique needs. This includes injuries, property damage, human error, and liability insurance. The common types of coverages many shops need are workers compensation, garage liability covers, and business owners’ policies.

Dealers Insurance

As an owner of a car dealership, you have many responsibilities and unique liability and coverage needs. A well constructed dealers insurance policy helps protect you in case of a crisis, including:

  • The risk of vehicles being stolen from a lot
  • Loss of inventory from natural causes (weather, disasters, etc.)
  • Damage to customers’ vehicles when they’re brought in for repair
  • Rental vehicles being damaged or destroyed

Church Insurance

Your church provides a range of services to your community, but it also carries a certain amount of risk, as you’re providing a lot more than spiritual guidance. When we’re working with you to design your insurance policy, we will examine your specific needs to protect your congregation, building, employees, and volunteers. Our selection of policies for churches includes:

  • Abuse and Molestation Insurance/li>
  • Commercial Auto Insurance
  • Crime and Fidelity Insurance
  • Directors and Officers Liability
  • Employee Practices Liability Insurance
  • General Liability Insurance
  • Pastoral Liability Insurance
  • Property Insurance
  • Sexual Misconduct Coverage
  • Umbrella Insurance

Our Service Area

We are proud to serve clients in Wesley Chapel, Lutz, Land O’ Lakes, Zephyrhills, New Tampa, Pasco County, Hillsborough County, Pinellas County, Polk County, and all of Florida.


For more information about our selection of commercial insurance plans, to receive a quote, or for general questions, please contact us today at 813-803-7767.

Florida Heritage Insurance LLC

27544 Cashford Cir Suite 102,
Wesley Chapel, FL 33544

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Monday - Friday
8:30 AM to 5:30 PM

By appointment