Business Insurance in Florida—
Protection for Every Local Company

Safeguard Your Business
With the Right Mix of Coverage

Running a business in Florida means facing risks—lawsuits, weather, property loss, and employee injuries can all put your company at risk. Choosing the right insurance can feel overwhelming, but you don’t have to navigate it alone. Proper Insurance Advisors specializes in helping Tallahassee and Panhandle businesses identify and cover every risk, with guidance tailored to your industry, size, and goals. From Main Street retail to contractors and professional offices, we help you stay protected so you can focus on growing your business.

Trusted by
Florida’s Small Businesses, Contractors & More

Courtney Ashburn was very helpful in giving enough information to make a knowledgeable decision regarding coverage and pricing. I was very pleased with his assistance in this matter.
Courtney's availability, knowledge of the insurance industry, and attention to detail are why I send my buyers to him. Look forward to continuing to do business together in the future. Thank you.
My husband and I have received excellent service from Amy with Proper Insurance Advisors. She has been patient and thorough in searching for the best rates and coverage to meet our needs and is responsive when we have left messages. I highly recommend the company/agent.
Excellent experience and top notch communications throughout the process. Courtney and his team were able to find the insurance I needed when others couldn't. He walked me through the process from start to finish and was always available for a call or questions. 100% recommend Proper Insurance!
Courtney and Amy are ROCKSTARS and do insurance the Proper way! Highly recommend! Saved me $100 a month on my auto policy!
Excellent professional service.
The team at Proper Insurance Advisors has been incredible to work with. They took the time to explain all of my options, answered every question I had, and made the entire process smooth and stress-free. Their professionalism, responsiveness, and attention to detail really set them apart. Highly recommend them to anyone looking for reliable and knowledgeable insurance guidance!
Amazing company to work with! They will help you with all of your insurance needs with care and quality. Customer service is clearly a top priority for Proper insurance advisors, and it shows in every interaction you have with them.
I had occasion to speak to Courtney Ashburn on the recommendation of a dear friend, and glad I did. He wouldn't write a policy to write a policy. He spent a lot of time with me to see that we received equivalent vehicle coverage at a considerable savings. And, when we needed to make a change to the policy to add a vehicle coming from out of state and delete a vehicle that was going out of state, he was right on it so everything went very smoothly. Homeowners is up next and that is going to Courtney for sure. Thank you Courtney!
Very impressed with Courtney Ashburn's professionalism and knowledge to help me secure an Insurance Policy for My Rental Property with Better Coverage and a Lower Premium. I Highly Recommend Proper Insurance Advisors!
Courtney Ashburn did a fantastic job. Listened to understand my needs, discussed my options, and developed a package that saved me money.
Awesome team to work with! Highly recommend!
Great team to work with and very professional!
Courtney was very informative and responsive! Every question I had he quickly responded with an answer! The whole team has been incredibly helpful in helping meet our needs!
Courtney has been extremely attentive, professional, and helpful in walking us through getting coverage on two homes!
Wow. Courtney is amazing. He went over our insurance policy (home and car) explaining deductibles, what we needed and how claims worked. He offers a personal friendly knowledgeable touch. Do not wait call him he actually answers the phone.

Explore Our
Business Insurance Solutions

General Liability Insurance

Covers your company if someone is injured on your property or sues you for damages. This essential policy protects against costly legal claims, whether you run a shop, restaurant, or service business.

Business Owners Policy (BOP)

A convenient package for small businesses—combines property and liability in one simple plan. Great for offices, retail, and small service providers looking to simplify and save.

Workers Compensation Insurance

Protects your employees if they’re injured on the job, while helping your business comply with Florida law. A must for contractors, restaurants, and businesses with staff.

Employment Practices Liability (EPLI)

Covers claims related to hiring, firing, harassment, or discrimination. Even small businesses can face these risks—EPLI offers affordable protection.

Directors & Officers (D&O) Insurance

Protects the personal assets of your company’s decision-makers against lawsuits over management decisions. Important for nonprofits, boards, and growing organizations.

Commercial Property Insurance

Covers your building, contents, equipment, and inventory against fire, storms, theft, and more. Ideal for property owners, retailers, and anyone with physical assets to protect

How We Make
Business Insurance Simple

Insurance should be a business asset, not a burden. We review your needs, explain every coverage, and recommend the right mix—never one-size-fits-all. You’ll get clear guidance, flexible options, and annual policy reviews to keep up with your growth.

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Free risk assessments for every local business

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Competitive quotes from top commercial carriers like Travelers, The Hartford, and Auto-Owners

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Discounts and packages to maximize savings

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Consolidated policies for easier claims and renewals

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Local expertise in Tallahassee and throughout the Florida Panhandle

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Your Business Insurance Questions, Answered

  • What types of business insurance do I really need?

    Needs vary—most start with general liability and property coverage, but we’ll help you assess your risks and recommend only what fits your operation.

  • Can I get all my business insurance from one agency?

    Absolutely. We can coordinate every policy you need—liability, property, workers comp, and more—so you have a single contact for everything.

  • How can I save on business insurance?

    We compare policies, apply every available discount, and review your account yearly. Adjusting your coverage as your business evolves keeps costs under control.

  • Do you help new or high-risk businesses?

    Yes, we have carrier partners ready to insure startups, contractors, restaurants, and businesses with past claims or unique challenges.

  • What industries do you work with most?

    We serve contractors, retail shops, restaurants, professional services, nonprofit organizations, and more across Tallahassee and the Panhandle.

Protect Your Business—
Let’s Make Insurance Simple

Your company deserves tailored protection that grows with you—not just a policy, but a partner invested in your success. Reach out for a free business risk review, and see how our local expertise and one-stop service make all the difference.