Shopping for a Commercial Insurance Policy?

As a business owner, you need a reliable company to work as hard as you do. To protect your assets our professional insurance agents are available to advise and assist you. To obtain a free commercial insurance rate quote, whether you need to insure your small business or a large corporation, we make it easy to get your commercial policy finished without complication. Submit your information online today and we will contact you regarding your quote.

Payment Options
Acceptable forms of payment include check, credit card, money gram and western union. Most agencies ignore the fact that a business owner doesn’t want to tie their money up in premium, thus being able to use incoming profits on advertising, etc…With Full Cover Insurance Solutions we have the ability for financing yearly premiums. 

Below is just a small sample of all types of risk we cover. Just because you may not see it listed, does not mean we can’t offer the coverage. We have many different Surplus Lines companies available that are standing by and hoping to earn the right to be your insurer. That is the type of service we expect you to receive. Anything less would be unacceptable!!

Commercial General Liability Programs:

  • Adult Day Care
  • Alarm Installers
  • Amusement Rides
  • Apartments
  • Bar/Tavern
  • Building Demolition
  • Catering
  • Churches
  • Clubs &; Civic, Service or Social
  • Commercial Property Owners
  • Condominium & Homeowners' Association
  • Convenience Stores
  • Counseling Centers
  • Day Care Facilities
  • Flea Markets
  • General Contractors
  • Halfway Houses
  • Home Health Care
  • Hunting Clubs
  • Lessor's Risk
  • Liquor Liability
  • Manufacturers
  • Mercantile Classes
  • Mobile Home Parks
  • Motels/Hotels
  • Offices
  • Outfitters & Guides
  • Pawn Shops
  • Refuse, Garbage Collection
  • Rental Dwelling Program
  • Restaurants/Delis
  • Security and Patrol Agents
  • Shopping Centers
  • Special Events
  • Swim & Racquet Clubs
  • Truckers
  • Umbrella Coverage
  • Welders

Artisan and Specialty Classes Programs:

  • Air Conditioning & Heating
  • Appliance Repair & Installation
  • Cable TV Installation
  • Carpentry
  • Carpet, Rug or Upholstery Cleaning
  • Ceiling or Wall Installation
  • Concrete Construction
  • Debris Removal - Construction Site
  • Door/Window Installation
  • Driveway & Parking Area Paving
  • Dry Wall or Wallboard Installation
  • Electrical Apparatus - Installation, Service, Repair
  • Electrical Work (within buildings)
  • Excavation
  • Fence Erection
  • Floor Covering Installation
  • Furniture or Fixture Installation
  • Grading of Land
  • Handyman (residential)
  • Insulation
  • Interior Decorators
  • Janitorial Services
  • Landscape Gardening
  • Lawn Care Services
  • Logging & Lumbering
  • Masonry
  • Metal Erection
  • Painting
  • Paperhanging/Wallpapering
  • Plumbing
  • Pressure Washing
  • Septic Tank Systems
  • Sewer Cleaning
  • Sheet Metal Work
  • Siding Installation
  • Sign Erection - Installation, Service, Repair
  • Sign Painting or Lettering
  • Swimming Pools - Installation, Service, Repair
  • Telephone or Cable Construction
  • Tile, Stone or Marble Work
  • Tree Trimming
  • Upholstering
  • Water Softening Equipment - Installation, Service, Repair
  • Window Cleaning



Professional Liability and Directors & Officers insurance are essential for firms and organizations engaged in assisting or advising with information based upon a specialized body of knowledge or expertise. It is imperative that the agent work closely with the insured to define potential exposures. 

Professional Liability usually requires extensive formal education and emphasizes a duty of service to the client. Directors & Officers coverage is a specialized form of Professional Liability for legal expenses and liability to shareholders, bondholders, creditors or others due to actions or omissions by a director or officer of a corporation or non-profit organization. 

Full Cover Insurance Solutions is dedicated to offering competitively priced products, broad and unique coverage, and fast policy turnaround time - enabling agents to compete successfully for this class of business. 

Professional Programs include:

  • Community Associations
  • Corporate Directors & Officers
  • Employment Practices
  • Insurance Agents Errors & Omissions
  • Medical Providers Protection
  • Non Profit Directors & Officers
  • Property Managers
  • Public Officials
  • Real Estate Agents Errors & Omissions
  • Real Estate Appraisers Package
  • Real Estate Office Package
  • Recruiters Package
  • Specified Errors & Omissions
  • Specified Professions Package
  • Technology Errors & Omissions


We also have a variety of Primary Casualty, Excess and Umbrella Markets available to suit your customers' needs. We write everything from simple risks, like Artisan Contractor, to the more difficult accounts, like Products Manufacturer. 

Our staff is ready to quote most accounts over the phone and we provide quick turnaround on those risks that are submit classes. Limits of $1,000,000/$2,000,000 primary with umbrella, excess and buffer layers available to $10 million. 

Available Programs include:

  • Appliance Manufacturers
  • Auto Parts Manufacturers
  • Boat or Ship Building
  • Chemical Manufacturing
  • Clothing Manufacturing
  • Conveyor & Material Handling Systems Manufacturers - Installation, Service, and Repair
  • Demolition Contractors
  • Drug Distribution and Manufacturing
  • Elevator - Installation, Service, and Repair
  • Fertilizer Manufacturing
  • Go-Kart\Race Tracks
  • Imported Products
  • Machine Shops
  • Machinery or Equipment Manufacturers - Installation, Service, and Repair
  • Medical, Dental, Hospital or Surgical Supplies Manufacturing
  • Metal Erection
  • Paintball Fields
  • Plastic or Rubber Goods Manufacturers
  • Rifle, Pistol and Archery Ranges
  • Skateboard Parks
  • Sporting Goods or Athletic Equipment Manufacturing
  • Toys or Games Manufacturers
  • Trailer Manufacturers
  • Welding or Cutting Operations


Full Cover Insurance Solutions is an aggressive market for all forms of property and package business. Our in-house capacity is to $1,000,000 and we are active in writing coastal exposures. This, coupled with telephone quotes and binders and quick policy issuance, is what separates our facilities from other less capable outlets. 

Property and Package Programs

  • Apartment Houses
  • Bed & Breakfast
  • Barber and Beauty Shops - including Professional
  • Bar and Taverns
  • Bookstore/Video Store
  • Car Washes
  • Churches - including Pastoral Professional
  • Club Program
  • Condominium/Town Homes
  • Consignment Shops
  • Convenience Stores
  • Day Care Centers
  • Flea Markets
  • Grocery Store
  • Halfway Houses - including Professional
  • Laundromats
  • Martial Arts Studios
  • Motels/Hotels
  • Pawn Shops
  • Pool Halls
  • Restaurants/Delis
  • Retail Shops
  • Tanning Salons
  • Warehouses

Vacant Property Program

  • Minimum premiums start at $200 for property
  • Minimum premiums start at $250 when including liability
  • Commercial and Residential properties eligible
  • Immediate quoting and binding over the phone
  • Policies can be issued from one to 12 months

Builder's Risk Program

  • Minimum premiums start at $200 for property
  • Minimum premiums start at $250 when including liability
  • Ground-up renovation projects eligible
  • $5,000 premises theft coverage available
  • Commercial and Residential properties eligible

The following carriers are represented by Full Cover Insurance Solutions.

ACE European Group

Admiral Insurance Axis Surplus Insurance
Burlington Insurance Colony Insurance First Financial Insurance
Founders Insurance Great Divide Insurance Guilford Insurance
Indian Harbor Insurance Lloyd's of London Markel International Insurance
Max Specialty Insurance Mt. Vernon Fire Insurance National Casualty
Nautilus Insurance Penn American Insurance Penn Star Insurance
Rock Hill Insurance Scottsdale Insurance Sirius International Insurance Corp
United National Insurance United States Liability Insurance Western World Insurance


Contact Information

Full Cover Insurance Solutions
3141 S. Florida Ave.
Lakeland, FL 33803

Phone: 863.248.6580

facsimile: 863.248.2138

Hours of operation:
Mon - Fri.  9am-6pm
Sat.: 10am - 2pm

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