Protect What Your Business Built — with the Right Coverage at the Best Rate
We’re an independent Central Florida brokerage. We compare multiple A‑rated carriers to match your operations and contracts with strong protection and fair pricing — no cutting corners.
Get a Business QuoteTakes ~60 seconds. No obligation. Local team in Central Florida.
★★★★★ Trusted by Florida businesses • Personalized advice • Fast, friendly service
Business Insurance
General liability, property, workers’ comp, umbrella, cyber, and more — tailored to your contracts and risk.
We align coverage with operations and vendor requirements, and turn around certificates quickly. We shop multiple A‑rated carriers to control total cost of risk.
Commercial Auto & HNOA
Company vehicles plus hired & non‑owned coverage when employees use personal or rented cars for work.
Fleet or single vehicles — we coordinate limits and additional insureds with your GL and umbrella for clean, contract‑ready COIs.
Why Florida Chooses PGI
Independent, not captive
We compare options across 20+ A‑rated carriers to balance coverage and price, and explain tradeoffs in plain English.
Local risk expertise
Wind/hurricane deductibles, roofs, contract and HOA requirements — tailored to Minneola, Winter Garden, Clermont & Windermere.
Fast, proactive service
Same‑day COIs available via our proprietary app (instant when no special wording is needed), help with audits, additional insureds, and annual reviews.
Commercial Coverages We Place
General Liability
Third‑party injury, property damage, and advertising injury.
Business Owners Policy (BOP)
GL + Property packaged for simplicity and savings.
Commercial Property
Buildings, contents, tools, equipment — with wind/hail options.
Workers’ Compensation
Employee injuries and employer liability; Florida compliant.
Commercial Auto / HNOA
Company vehicles plus hired & non‑owned protection.
Professional Liability (E&O)
Advice & services coverage for offices and consultants.
Umbrella / Excess
Higher limits over GL, Auto, and Employers Liability.
Cyber Liability
Data breach, ransomware, privacy liability & PCI needs.
Inland Marine / Tools
Mobile equipment & tools on jobsites around Central FL.
Industries We Serve
Contractors & Trades
GCs, electricians, plumbers, roofers — COIs, endorsements, waivers.
Retail & Restaurants
Winter Garden Village shops, Clermont cafés — business interruption & spoilage.
Professional Offices
Medical, dental, legal, accounting, real estate — E&O and cyber.
HOAs & Property Managers
Master policies, D&O, crime, fidelity, HNOA; lender‑friendly.
Tech & eCommerce
Cyber, PCI, media liability, fulfillment risks.
Logistics & Service
Delivery, field service, and warehousing support — auto, GL, inland marine.
Proudly Serving Minneola • Winter Garden • Clermont • Windermere
From Minneola’s hills and new builds to Downtown Winter Garden and Horizon West, we cover the neighborhoods you call home. From Clermont’s SR-50 corridor to Windermere’s professional offices, we align insurance with your lenders, vendors, and contracts.
Get a fast, tailored business quote
Answer a few questions and we’ll shop multiple A‑rated carriers. Same‑day COIs available for many accounts.
Start Commercial QuoteFAQs
How quickly can I get proof of insurance?
Often same day once underwriting is complete. Using our proprietary app, we can issue COIs instantly (as long as no special wording is required). Additional insured endorsements can also be added quickly.
Do you handle contract requirements?
Yes — CG 20 10/20 37 (or 20 33 where appropriate), primary & non‑contributory, waiver of subrogation, umbrella follow‑form, and more.
Can you move my policies mid‑term?
Usually best at renewal; if mid‑term changes are required, we’ll advise on smooth timing and approach.