Orlando Insurance Agency
Comprehensive insurance for Orlando families and businesses. Lake City-based with deep Central Florida expertise.
Independent Insurance Agent Serving Orlando, FL
Orlando is Central Florida's economic powerhouse and the nation's tourism capital, creating a unique insurance landscape. From hurricane exposure and sinkhole risk to the massive hospitality sector's workers compensation needs and rapid property value appreciation, Orlando homeowners and businesses face insurance challenges that require local expertise and carrier access.
Greene & Associates Insurance has been protecting Florida families and businesses for over 30 years. Based in Lake City and serving the greater Orlando metro area, we understand Central Florida's insurance market — sinkhole coverage requirements, hospitality industry exposures, theme park contractor liability limits, and the coverage you need to truly protect your assets. As an independent agency with access to 20+ carriers, we shop the market to find you comprehensive coverage at competitive rates.
Personal Insurance in Orlando
Protect your Orlando home, auto, and family with the right coverage.
Home Insurance in Orlando
Orlando homeowners face two major risks often overlooked: sinkholes and hurricanes. Central Florida sits on porous limestone, making it one of the highest sinkhole-risk areas in the state. While sinkholes are rare, the damage can be catastrophic — and standard home insurance doesn't automatically cover sinkhole damage. Florida law requires insurers to offer sinkhole coverage (often called "catastrophic ground cover collapse"), but it's optional and comes with higher premiums.
Hurricane coverage: Even though Orlando is inland, hurricanes still cause significant wind and rain damage here. Your home policy should include named storm coverage with clear deductibles (typically 2% of your dwelling coverage). Replacement cost coverage is essential — Orlando home values have surged in recent years, and actual cash value policies won't give you enough to rebuild.
Flood insurance consideration: While Orlando isn't coastal, areas near lakes and low-lying neighborhoods can flood during heavy rain and tropical storms. If you're near Lake Eola, Butler Chain of Lakes, or other water bodies, consider flood insurance.
Learn More About Home InsuranceAuto Insurance in Orlando
Orlando drivers face heavy traffic, tourist drivers unfamiliar with the area, and I-4 — consistently ranked one of the deadliest highways in the United States. Auto insurance is mandatory in Florida, but the state minimums ($10,000 PIP and $10,000 property damage) are dangerously inadequate for serious accidents.
Uninsured motorist coverage is critical. Florida has a high rate of uninsured drivers. If you're hit by someone without insurance and you don't have uninsured/underinsured motorist coverage, you could be left paying medical bills and vehicle repairs yourself.
We recommend Orlando drivers carry at least $100,000/$300,000 in bodily injury liability, comprehensive and collision coverage, and uninsured motorist protection. Higher limits provide better protection given Orlando's traffic risks.
Learn More About Auto InsuranceFlood Insurance in Orlando
While Orlando isn't coastal, flood risk still exists — especially near lakes, retention ponds, and low-lying areas. Heavy rain during tropical storms and hurricanes can overwhelm drainage systems, causing localized flooding. Many Orlando neighborhoods have FEMA flood zones that require flood insurance if you have a mortgage.
Remember: standard homeowners insurance does NOT cover flood damage. Even a few inches of water can cause tens of thousands in damage to flooring, drywall, appliances, and personal belongings. Flood insurance is available through the National Flood Insurance Program (NFIP) or private carriers.
Flood insurance typically covers your building structure and contents (personal property) up to policy limits. Premiums depend on your flood zone, elevation, and coverage amount. We can help you understand your flood risk and find affordable coverage.
Learn More About Flood InsuranceBusiness Insurance in Orlando
Comprehensive commercial coverage for Orlando's diverse business community.
Orlando's economy is driven by tourism, hospitality, healthcare, technology, and a booming construction sector. Each industry has unique insurance needs — from restaurants serving thousands of guests daily to contractors working on theme park expansions to medical practices navigating HIPAA compliance and malpractice risk.
Orlando Industries We Serve
- Hospitality & Restaurants: Orlando's tourism economy creates massive demand for restaurant and hospitality insurance. General liability, liquor liability, workers comp, and business interruption coverage are essential. Employee turnover and high customer volume increase liability exposure.
- Construction & Contractors: HVAC, electrical, plumbing, and general contractors are in high demand as Orlando continues to grow. Theme park contractors often face higher liability limits (some projects require $5M+ in coverage). Florida workers comp is required for construction businesses with just 1 employee.
- Healthcare & Medical: Orlando is a major healthcare hub with Orlando Health, AdventHealth, and numerous private practices. Medical malpractice, cyber liability, and general liability are critical. HIPAA compliance requirements make cyber coverage increasingly important.
- Retail & Professional Services: From boutiques in Winter Park to offices in downtown Orlando, small businesses benefit from Business Owners Policies (BOPs) that bundle property and liability coverage at cost-effective rates.
- Property Management: With Orlando's rental market booming, property managers need general liability, E&O coverage, and proper insurance requirements for tenant leases.
Essential Business Coverage for Orlando
General Liability Insurance
Protects against third-party claims for bodily injury, property damage, and advertising injury. Critical for restaurants, contractors, retailers, and service businesses. Most commercial leases and GCs require $1M/$2M coverage.
Workers Compensation
Florida requires workers comp for construction businesses with 1+ employees and most other businesses with 4+ employees. Hospitality businesses face high workers comp costs due to slip-and-fall risks and repetitive stress injuries. Penalties for non-compliance exceed $1,000 per day.
Commercial Auto Insurance
Essential for businesses with company vehicles or employees driving for work. Covers liability, collision, comprehensive, and uninsured motorist. Critical for contractors, delivery services, and mobile businesses navigating Orlando's heavy traffic.
Orlando Insurance by Industry
Specialized coverage for Orlando's key business sectors.
Why Choose Greene & Associates for Orlando Insurance?
Central Florida Expertise
We understand Orlando's unique insurance challenges — from sinkhole risk and hurricane exposure to hospitality sector workers comp and theme park contractor requirements.
Fast Quotes & Service
Orlando's fast-paced business environment demands quick turnaround. We provide same-day quotes and certificates so you can keep moving.
20+ Carriers for Competitive Rates
Independent agency means we shop the market for you. Compare rates from multiple top-rated carriers and find the best coverage for your Orlando home or business.
30+ years protecting Florida families and businesses. Lake City-based with deep expertise in Central Florida's insurance market. We understand Orlando's sinkhole risk, hospitality sector exposures, theme park contractor requirements, and I-4 traffic hazards. When you call, you get a real person who knows your local insurance challenges.
Orlando Insurance FAQ
Do I need sinkhole coverage in Orlando?
Central Florida, including Orlando, sits on porous limestone and has some of the highest sinkhole risk in Florida. While sinkholes are relatively rare, the damage can be catastrophic — structural failure, foundation collapse, and total loss. Standard home insurance doesn't automatically cover sinkholes. Florida law requires insurers to offer "catastrophic ground cover collapse" coverage, but it's optional and comes at a higher premium. If you're concerned about sinkhole risk (especially in areas with known sinkhole activity), adding this coverage provides important protection.
What's the average home insurance cost in Orlando?
Orlando homeowners typically pay $2,000 to $4,000 per year for home insurance, though costs vary widely based on your home's age, value, construction type, and coverage options. Hurricane exposure, sinkhole risk, and rising property values push Florida's insurance costs above the national average. Older homes, those with outdated roofs or electrical systems, and homes in flood zones pay more. Adding sinkhole coverage or higher liability limits increases premiums. The best way to get an accurate quote tailored to your property is to contact us directly.
What insurance do Orlando restaurants need?
Orlando restaurants need general liability insurance (to cover customer injuries, food-borne illness claims, and slip-and-fall accidents), workers compensation insurance (required by Florida law if you have 4+ employees), commercial property insurance (to protect your building, equipment, and inventory), and liquor liability insurance if you serve alcohol. Many restaurants benefit from a Business Owners Policy (BOP) that bundles property and liability coverage. Given Orlando's high tourism traffic and employee turnover, adequate liability limits and workers comp coverage are critical.
Trusted Carriers We Represent
About Orlando, Florida
Orlando is Central Florida's largest city and the world's tourism capital, welcoming over 75 million visitors annually to its theme parks, convention centers, and attractions. Beyond tourism, Orlando has a growing healthcare sector, thriving tech and simulation industries, and a booming real estate market. The city's unique economy and geographic location create specific insurance challenges for homeowners and businesses alike.
Get Your Free Orlando Insurance Quote
Protecting Orlando families and businesses with comprehensive coverage from 20+ carriers. Fast quotes, expert guidance, competitive rates.