FLORIDA INSURANCE
coverage that fits.

As an independent agency, USA Insurance Group writes personal, commercial, and specialty lines, comparing carriers to build coverage around your life and your business rather than handing you a template.

Insurance Products We Offer

One agency, every policy. As an independent agency we place coverage across personal, commercial, and specialty lines, so you're not sent elsewhere the moment your needs go beyond a single policy.

Personal & Commercial Auto

Coverage for personal vehicles and company vehicles alike, from Florida's required PIP and liability minimums to full coverage on the cars your business depends on.

Trucking, Transportation & Cargo

Built for motor carriers and owner-operators, covering auto liability and physical damage on the truck plus cargo coverage for the freight being hauled.

General Liability

Protects a business against third-party claims of bodily injury and property damage arising out of its operations, its premises, or its products.

Professional Liability

Also called errors and omissions coverage. Responds to claims that a professional service was performed negligently or was not delivered as promised.

Business Owners Policy (BOP)

Bundles general liability together with commercial property coverage in a single policy, typically written for small and mid-sized businesses.

Homeowners

Covers your home's structure, your personal belongings, and your liability as a homeowner. In Florida, hurricane deductibles and flood coverage work differently than in most states, which is worth a conversation before you buy.

Renters

Covers your personal belongings and your liability as a tenant. Your landlord's policy covers the building itself, not what you keep inside your unit.

Boats

Covers your vessel, its motor, and the trailer, plus your liability out on the water. The limited watercraft coverage tucked inside a homeowners policy rarely stretches far enough for a real boat.

RV

Covers your motorhome or travel trailer both on the road and while parked, pairing auto-style liability with protection for the living space and what is inside it.

How We Build Your Coverage

Every client starts somewhere different. Some need one policy on one vehicle. Others are covering a home, two cars, a boat, and a business with employees and trucks on the road. We start by understanding what you own, what you're responsible for, and where a loss would hurt the most.

From there we map the gaps. A homeowners policy covers your house but not the boat parked beside it. A general liability policy answers a customer's injury claim but does nothing for the cargo in your trailer. Knowing where one policy stops and the next one starts is most of the job.

Then we shop it. Because we're independent, we're not steering you toward one company's product. We compare what our carrier partners will offer for your situation and bring back the options that fit, with a plain explanation of what each one does and doesn't cover.

You'll know what you're buying before you sign. And when something changes, a new vehicle, a new location, a new hire, we adjust the coverage instead of letting you find out at claim time.

What We Help You Protect

Your Vehicles

Personal cars, company vehicles, and the trucks a business runs on. We handle Florida's required coverage and the optional protection that matters most when someone else causes the wreck.

Your Home

The structure, what you keep inside it, and your liability as an owner. In Florida that also means paying attention to hurricane deductibles and flood, which work differently here than in most states.

Your Rented Space

Your landlord insures the building and nothing you keep inside it. Renters coverage protects your belongings and your liability as a tenant, usually for less than people expect to pay.

Your Business

General liability for third party injury and property damage claims, professional liability for claims about your work itself, and business owners policies that bundle liability with your commercial property.

Your Cargo and Fleet

For motor carriers and owner operators, coverage on the truck plus coverage on the freight it's hauling. Those are two separate exposures, and one auto policy won't answer both.

Your Boat and RV

Watercraft, motorhomes, and travel trailers carry their own risks on the water and on the road. The limited coverage buried inside a homeowners policy rarely stretches far enough to meet them.

Already a Client? Make a Payment

If you're an existing USA Insurance Group policyholder, use the links below to reach your carrier's payment portal directly and manage your account. Not a client yet? Get your free quote first.