Commercial insurance • Florida & Texas small business • Contractors • Consultants • Service businesses

Insurance that moves your business forward.

EMD Insurance Solutions helps Florida & Texas businesses find practical commercial coverage with a modern, responsive approach—so you can stay protected, meet requirements, and keep work moving.

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Responsive support Digital access Built for real operations

Coverage built for how you operate

Start simple, stay protected, and scale coverage as your contracts and operations grow.

Professional Liability (E&O)

For consultants, IT services, and professional services—helps cover claims of errors, omissions, or negligence.

Cyber Liability

For businesses handling data, systems, or networks—supports incident response and cyber-related liability exposures.

Business Owners Policy (BOP)

Combines liability and property for many small businesses. A strong starting point when proof of coverage matters.

Commercial General Liability

Commonly requested for on-site work and contracts. Often paired with additional insured and other endorsements.

Commercial Auto

If vehicles are used for business operations, this can help cover owned, hired, and non-owned auto exposures.

Workers’ Comp

Often required before work begins for certain industries and payroll levels, especially for field operations.

Who We Help

We work with small businesses, contractors, consultants, and service professionals who need practical insurance solutions that support real-world operations.

Contractors & Trades General contractors, subcontractors, field operations, and skilled trades.
Professional Services Consultants, IT, marketing, digital agencies, and service-based businesses.
Small Business Owners Retail, food, local operations, and growing businesses that need dependable coverage.
Government Contractors Businesses navigating contract insurance requirements, COIs, and readiness needs.

Why EMD

A simple promise: clarity, responsiveness, and coverage aligned to your work.

Built for small business

Coverage options designed for real operations—service businesses, trades, consultants, and growing companies.

Modern access

Simple communication, digital documents, and responsive support that helps you keep business moving.