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The coverage you need where you work.

Business Insurance

Small Business Insurance

Commercial Vehicle Insurance

Restaurant & Food Business


Top Risks Businesses Face

Property damage from fire, storms and accidents


Liability in many forms, including product liability, accident/injury liability, libel, malpractice and professional liability or “errors and omissions” risks


Fraud, embezzlement, extortion


Cyber-crime and data loss






Every business is different.

Our agents have the experience to get you the right combination of coverage for your enterprise.


Our Clients have a lot of options.

As an independent agency, we work with many quality insurance carriers to meet all your commercial insurance needs, even when you need specialty coverage, or several different policies from different carriers.


Our Agents Help You Identify Your Unique Risks

Every company, large and small, has unique risks. Some have workers who operate heavy machinery or drive vehicles while on the job, while others serve food and alcohol or handle toxic substances. Doctors and hospital staff handle patients, body fluids, sharp needles and equipment. Some employees handle sensitive documents, data, or money, potentially opening the door to business fraud. For this reason, every company needs commercial insurance coverage specifically matched to the risks of the enterprise.


Our Agents Create Your Unique Insurance Package

Every commercial operation needs business insurance, but your business will require a specific blend of coverage types.  Our agents will be able to recommend a package combining  the coverage types you need so you don't purchase coverage you don't need but you are covered when it comes time to make a claim.


We Work Hard for You

Contact us to schedule to visit your site, to discuss your business and goals and recommend the best combination of policies based on your property, employees, work environment, risks, security, customers, and more.


U.S. Small Business Stats

  • There are currently more than 27 million small businesses in the U.S.
  • More than 70% of these businesses are owned and operated by a single person
  • 77 million people, or 57% of this country’s workforce, are employed by small businesses
  • Approximately 70% of all small businesses remain in operation 2 years after inception
  • Approximately 50% of all small businesses remain in operation 5 years after inception
  • 54% of small businesses are home-based

Do you employ fewer than 500 people?

If so, you are one of more than 27 million small businesses in the United States that range from incorporated, self-employed individuals to community banks and construction firms.


What is Small Business Insurance?

Small business insurance is an optional insurance plan that provides you with the coverage necessary to keep your business operational, especially in the aftermath of a catastrophe or a lawsuit. Catastrophes can include fires, major weather events, and accidents with extreme losses. Lawsuits can also devastate your business. These insurance plans can be customized to meet the inherent risks faced by your particular business.


Why should I get Small Business Insurance?

Nearly half of all businesses that are forced to temporarily stop operations because of a natural disaster fail within 5 years. Of those that are unable to resume operations within 10 days, nearly 80 percent close within one month. A solid business insurance policy can prevent this from happening by allowing your small business to remain profitable, even in the face of disaster.


What types of insurance do Small Business Owners need?

Very small businesses often do not have employees and are therefore exempt from insurance requirements. However, if your company does have employees, you may need consider workers compensation insurance, unemployment insurance, disability insurance, and medical insurance.



Insurance Tip:

The risks associated with commercial use of a vehicle, whether it is personally owned or company owned, often call for higher policy limits and different policy provisions.

Cover your Company's Drivers and Vehicles

The risks you face as a business owner vary widely from liability concerns to workers compensation issues to the possibility that one of your workers could be responsible for an accident. If you have staff members who get behind the wheel, your commercial vehicle insurance will protect your business financially in the event of incident on the road.


Our agents can help you identify the right commercial vehicle policy for your needs.  With a wide range of carriers, we can help cover every aspect of your business insurance needs.


Who needs Commercial Vehicle Insurance?

  • Freight companies and other businesses that use commercial trucks
  • Independent contractors who drive during the course of doing business
  • Any business that makes deliveries or transports goods
  • Limo services, taxi services, bus companies and other transportation services

If you or your staff members use a vehicle for commercial purposes, you need a commercial auto policy, as your standard personal auto policy will typically not cover you for business use of that vehicle.


If you are not sure whether you need commercial vehicle insurance, or what kind and how much you need, our agents are happy to help. Our agents  can advise you on the right coverage for your specific business needs.


Restaurant Fire Statistics

  • In 2002, there were approximately 7,000 restaurant structure fires resulting in $116 million in damages
  • 65% of these fires resulted from cooking accidents and 10% were caused by heating problems
  • Fewer than half of these fires originated in an area that was equipped with automatic extinguishing systems or fire alarms
  • On average, restaurant structure fires cause more costly damages than residential structure fires

Restaurant Insurance

Fire is the most common hazards faced by restaurant owners, but a comprehensive restaurant insurance policy can help ensure your business is able to withstand catastrophes and remain profitable.  Some insurance is required by law and some may be required by your financial institution if you have taken out a large business loan or a mortgage on the building in which your restaurant is housed. If you rent the building, you may be required to carry business insurance as a condition of your lease.  In addition, restaurant owners have a number of liability risks. Restaurant insurance costs far less than a serious lawsuit might, so it is an especially good investment. Some examples of the of liability coverage options available are:


  • General liability: This includes operations and premise liability. If a customer is injured in your restaurant or parking lot and it can be shown that you are responsible due to negligence in upkeep, poorly placed objects or the actions of one of your employees, you may be responsible for extensive medical bills. General liability insurance is designed to provide coverage for medical costs and damages.
  • Product liability: As a restaurant owner, your product is the food you serve. If customers become sickened by food poisoning or other food-borne illnesses, such as hepatitis or salmonella, and it can be proven that this occurred because of food served in your restaurant, you may find yourself sued for medical costs and punitive damages. Product liability insurance will shield you from the high costs associated with such a lawsuit.
  • Liquor liability: If your restaurant serves alcoholic beverages and allows a customer to become intoxicated, your business may be held liable for the drunk patron’s ensuing actions, including acts of violence and property destruction. Liquor liability insurance can help to protect you from financial losses if you are sued.
  • Hired and non-owned vehicles liability: If your restaurant offers food delivery service but your employees use their own vehicles, this will provide you with coverage against potential liability lawsuits if they are involved in an accident while making a delivery for you.

Let's Get Started

Schedule a Free Consultation

We invite you to schedule an appointment with one of our agents so we can discuss your insurance needs and qualifications for money saving discounts.  Please fill out the form below:

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Two Locations to Serve You Better:

Gainesville, Florida

West Palm Beach, Florida

We look forward to meeting you soon!

Walter Agency

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West Palm Beach

420 NW 39th Avenue

Gainesville, Florida  32609


fax: 352-502-4102

Office Hours:

Monday - Friday

8:30 am - 5 pm

3379 S Military Trail

West Palm Beach, FL  33463


fax: 561-433-5036

Office Hours:

Monday - Friday

8:30 am - 5 pm


10 am - 2 pm