Mon - Fri: 9am - 6pm, Sat: 10am - 2pm
Protect yourself, your family, and your property with personalized insurance solutions. We help Florida residents choose the right coverage.
Personal Lines
Auto Insurance
Required by law in Florida, auto insurance offers financial protection in case of accidents, damage, or theft.
Homeowners Insurance
Protects your home and personal property from damage caused by fire, theft, hurricanes, and more—essential in Florida’s high-risk zones.
Renters Insurance
Affordable coverage for your belongings and personal liability while renting an apartment or home.
Condo Insurance (HO6)
Protects the interior of your unit, personal property, and liability—complementing your condo association’s master policy.
Personal Umbrella
Provides additional liability protection beyond your auto, home, or renters policy in case of major claims or lawsuits.
Personal Liability Insurance
Standalone coverage that protects you financially if you’re held responsible for injuries or property damage to others.
Business & Commercial
Insurance
Auto, Homeowners &
Renters Insurance
Specialty & Umbrella
Insurance
Insurance Solutions for
Florida Residents & Businesses
Helping you protect what matters most with personalized guidance and smart coverage solutions.
From storefronts to service businesses, we have what Florida entrepreneurs need to protect their operations, employees, and assets.
Business/Commercial Lines
General Liability Insurance
Covers your business against third-party injury, property damage, and legal fees. Often required for leases and contracts.
Commercial Property Insurance
Protects your business location, equipment, and inventory against fire, storms, theft, and more.
Businessowners Policy (BOP)
A cost-effective bundle that combines general liability and property insurance for small businesses.
Workers' Compensation
Covers medical expenses and lost wages for employees injured on the job. Mandatory for many Florida businesses.
Commercial Auto Insurance
Covers vehicles used for business purposes, including accidents, damage, and liability.
Professional Liability (E&O)
Protects your business from claims of negligence, errors, or omissions in the professional services you provide.
Not every need fits the standard mold. We offer unique insurance solutions for construction, watercraft, and short-term rentals.
Specialty Insurance
Builder's Risk Insurance
Covers construction and renovation projects against damage from fire, theft, vandalism, and weather-related events during the build phase.
Boat & Watercraft Insurance
Protects your boat, personal watercraft, and passengers with coverage for accidents, damage, liability, and theft—essential for South Florida boat owners.
Pet Insurance
Helps cover unexpected veterinary costs due to accidents or illnesses. A smart way to protect your pet and your finances with customizable coverage options.
Access top-rated carriers
Direct vs. Broker
What’s the Difference — and Why It Matters
When shopping for insurance, you have two main options; buy directly from a insurance company (like GEICO or State Farm), or work with a licensed independent agent or broker.
While going straight to a carrier might seem convenient, it often means you're limited to just one company’s products, prices, and policies—even if they’re not the best fit for your needs.
At 4B Insurance Brokers, we work for you, not the insurance companies. As independent brokers, we’re licensed to work with multiple top-rated carriers, which means we can:
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Compare coverage and rates from different companies
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Tailor policies to your unique needs and budget
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Offer unbiased advice based on what’s best for you, not a quota
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Help you understand your options in plain language
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Assist with claims and renewals, serving as your personal advisor long after the policy is issued
Think of us as your insurance advocate. We save you time, money, and confusion, while making sure you’re truly protected.
Need Something Else? We've Got You Covered.
We offer a wide range of insurance solutions for you and your business. If you don't see the coverage you need, just send us your information — we'll help you find the right policy.
