Protecting Your Treasure Coast Business
From downtown Stuart storefronts to Port Salerno's marine trades, Treasure Coast businesses carry a mix of risks that no single off-the-shelf policy covers well. HBK Insurance Group builds commercial programs line by line — liability, property, vehicles, employees — so you are not paying for coverage you do not need or discovering a gap during a claim.
What Commercial Insurance Covers
- ✓ General liability
- ✓ Commercial property
- ✓ Business owners policy (BOP)
- ✓ Professional liability (E&O)
- ✓ Commercial auto
- ✓ Workers' compensation
Business Interruption Is the Coverage Owners Forget
After a named storm, the building repair is rarely what closes a business — the weeks with no revenue are. Business interruption coverage replaces income while you are shut down, and the limit needs to reflect how long a Florida rebuild actually takes, not a best case.
Independent Means We Shop the Whole Market
Commercial pricing varies enormously between carriers for the same risk, particularly for coastal property and anything marine-adjacent. Because we are independent, we can place your account where it fits rather than where a single company happens to have appetite this year.
Common Questions
Do I need workers' compensation in Florida?
It depends on your industry and employee count, and construction has its own stricter rules. We will walk through the thresholds with you before you guess.
What is a BOP?
A business owners policy bundles general liability and commercial property for smaller operations. It is efficient when you fit it, and limiting when you have outgrown it.
Can you cover my home-based business?
Yes, and you likely need to. Homeowners policies exclude most business activity, including inventory and client visits.
Get Your Commercial Insurance Quote
Start your quote below and a licensed HBK agent will review it and follow up. Prefer to talk it through? Call (772) 444-8182.
Serving the Treasure Coast
HBK Insurance Group is an independent agency in Stuart, Florida, serving Martin, St. Lucie and Palm Beach counties — Stuart, Palm City, Port Salerno, Jensen Beach, Hobe Sound, Sewall’s Point, Rio, Hutchinson Island, Port St. Lucie, Tradition, Fort Pierce, Jupiter, Tequesta and Palm Beach Gardens.