Affordable Business Insurance in Florida – Built for You
At Clearpalm, we understand that protecting your business is more than just a policy — it's peace of mind. Our affordable business insurance solutions are designed to safeguard your operations, assets, and employees with coverage that fits your unique needs. Whether you're managing property, vehicles, or personnel, Clearpalm helps you stay protected so you can focus on growing your business with confidence.
Business Property Insurance
We offer commercial property insurance with wind coverage in Florida.
What Does Commercial Property Insurance Cover?
While specific coverage options vary depending on your policy, commercial property insurance typically covers:
Building damage:
This covers repairs or replacements due to fire, theft, vandalism, wind, hail, and other covered perils.
Business interruption:
Reimburses you for lost income if your business is unable to operate due to a covered event, such as a fire or natural disaster.
Contents damage:
Protects your business equipment, inventory, furniture, and other business-related items from covered losses.
Additional coverages:
Depending on your needs and industry, you can add options like flood insurance, earthquake insurance, or equipment breakdown coverage.
Business Auto Insurance
A commercial auto package that provides comprehensive coverage and modern technology.
Download an app on your phone to access your insurance cards, claim filing, claim tracking, and billing information. Make changes on the go.
Any Auto Symbol available and blanket additional insured included to avoid delays in contractors' payments.
Liability limits up to $4M and $0 Deductible for Comp and Coll coverage.
Hired Physical Damage is available. This is a useful endorsement if you rent vehicles or trailers often.
“A” Rated Insurance coverage through nationally recognized carriers ensures fast claims service, excellent customer service, and competitive pricing.
Key Benefits of Commercial Auto Insurance
Liability Coverage:
This protects your business from financial responsibility for bodily injury and property damage caused by your business vehicles to others.
Uninsured/Underinsured Motorist Coverage
Provides financial protection if your business vehicle is involved in an accident with a driver who lacks adequate insurance or whose insurance doesn't cover the full cost of damages.
Collision and Comprehensive Coverage:
These coverages protect your business vehicles from physical damage caused by accidents, theft, vandalism, and other perils.
Hired and Non-Owned Auto Coverage:
Extends coverage to rented vehicles used for business and personal vehicles employees use for work (with permission).
Uninsured/Underinsured Motorist Coverage
Provides financial protection if your business vehicle is involved in an accident with a driver who lacks adequate insurance or whose insurance doesn't cover the full cost of damages.
Customized Options:
Depending on your business needs, you can add endorsements for specific risks, such as towing and roadside assistance, cargo insurance, and coverage for specialized vehicles.
General Liability + Garagekeepers Insurance
We can provide a stand-alone general liability policy or a business owner’s Policy that includes your business's personal property, such as equipment, inventory, tenant improvements, and more.
Competitive pricing for all industries, including roofing and general contractors.
$0 deductible option with blanket endorsement forms like Additional Insured, Completed Operations, Waiver of subrogation, and primary and non-contributory wording.
A businessowner’s Policy with a Total Insured Value (TIV) of up to $50M that can include wind coverage on your building and personal property.
Same Day Certificate. Never wait for payment or to get on a job site again. We issue certificates on the same day you request, usually within the hour.
General Liability + Garagekeepers Insurance
Building damage:
This covers repairs or replacements due to fire, theft, vandalism, wind, hail, and other covered perils.
Business interruption:
Reimburses you for lost income if your business is unable to operate due to a covered event, such as a fire or natural disaster.
Contents damage:
Protects your business equipment, inventory, furniture, and other business-related items from covered losses.
Additional coverages:
Depending on your needs and industry, you can add options like flood insurance, earthquake insurance, or equipment breakdown coverage.
Workers' Compensation Insurance Built for You
We have the workers comp solution for your business. Our team boasts the impressive ability to:
Provide a workers compensation policy with $0 down
“A” rated coverage and blanket waiver of subrogation allows you to work for any contractor or company
24/7 claims support and service. You can always text or call your dedicated insurance agent
Same Day Certificate. Never wait for payment or to get on a job site again. We issue certificates on the same day you request, usually within the hour.
Additional Benefits of Choosing Clearpalm for Your Workers’ Comp Needs
No Down Payment:
Typical standalone policies will require 15% or more down payment. With Payroll Service Pros and our insurance partners, we remove the down payment alleviating your business of large insurance payments.
Same Day Certificates:
We provide Certificates of Insurance the same day they were requested. No more waiting for days to receive a certificate to show proof of insurance. Payroll Service Pros is fast and accurate, every day.
Pay-As-You-Go Plans:
The payment plan follows the frequency of your payroll. Instead of large monthly installments, Payroll Service Pros makes your workers comp payments in small more frequent increments.
Bundle your insurance:
Payroll Services Pros owns and operates an Independent Insurance Agency. We write general liability and commercial property (often referred to as a Business Owner’s Policy), commercial auto, garage keepers’ insurance, commercial umbrella, group health, and much more.
Simplifying the Audit:
All workers' compensation policies are audited at their expiration each year. With us, your workers’ comp audits can become quick and easy. We provide all the necessary reports and tax forms so that your audit can be a smooth process.
Your Business Insurace Questions Answered
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Ensuring dependable payroll is crucial for the smooth operation of a business and for fostering a positive work environment.
Late, inconsistent, or incorrect payroll can significantly harm employee morale. Equally important is the accurate filing of taxes, as mistakes or delays in payment can result in costly penalties.
It is essential to allocate the necessary resources to ensure the payroll process is executed correctly.
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We provide all the tools needed to expedite your payroll obligations. Report hours online through our easy-to-use payroll software and we handle the rest.
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We offer direct deposit payroll or paper check payroll for your employees.
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If you let us handle your payroll, then the answer is NONE! We handle all of that for you.
We sumbit Forms 940, 941, 944, and provide W-2's at the appropriate time of year.
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The Fair Labor Standards Act (FLSA) mandates that employers must maintain payroll records for a minimum of three years for non-exempt employees, and keep timesheets and related documents illustrating wage calculations for at least two years. Additionally, the Internal Revenue Service (IRS) requires businesses to retain payroll tax records for four years, while certain states have their own payroll recordkeeping regulations that exceed the federal government's retention period.
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Absolutely, our payroll software puts you in the driver seat. Get access to as little or as much as you’d like. We can even prepare specific report packages for you to make insurance audits easier.
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Yes! We love this route! Empower your employees to manage their financial information securely with our cloud based software. Applying for a loan? Employees can view their past and present pay stubs and year-to-date information from their phone. They moved? Easily update their address. Got married or had a child? Login and update the W4 filing to ensure accurate take home pay.
Comapre Insurance Carriers You Know and Trust
Trusted by Clients
“They are always willing to help understand each situation with detailed explanation and are amazingly organized. I highly recommend this firm!”
Ades Center
Google 5 out of 5 stars ★★★★★
“This family owned business is the best. I have never met two nicer people in my life. If anyone needs any payroll services I highly encourage you to use AJG payroll services!”
Bryan Seeman
“Gustavo possesses outstanding communication skills, and our team thoroughly enjoys working with him. We are fostering a growing relationship and eagerly anticipate future growth.”
Halcyon Underwriters
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Payroll Service Pros is your local payroll company that provides exceptional service at an affordable price. Located right in Lutz, FL — Our goal is to help small businesses in any way possible.
Ready to say goodbye to payroll stress?