Commercial insurance for Stuart and Martin County businesses.

Stuart’s business mix

Stuart calls itself the “Sailfish Capital of the World,” and boating is a big part of the local economy. Boatyards, marinas, yacht service, canvas and upholstery shops, and fishing charters sit along the St. Lucie River and the Okeechobee Waterway. Downtown Stuart, around Flagler Avenue and Osceola Street, has independent restaurants, galleries, and shops. As the county seat, Stuart also has law, accounting, and title offices, medical practices near the hospital campus, and contractors serving the wider county.

How we usually approach each type

A note on marine businesses

Marine operations are some of the most specialized risks in Stuart. A boat dealer, a marina, a repair yard, and a charter captain each need different coverage. Some of those exposures need markets built specifically for marine work. We can review general liability, property, inland marine for equipment, commercial auto, and workers’ compensation. For the specialty pieces, we will tell you upfront whether it is something we can place, so you are not waiting on a quote that will never come.

Storms, surge, and the river

Stuart is on the water on several sides, so flood and storm surge are real considerations for many commercial locations, not just beachfront ones. Standard commercial property policies usually exclude flood. FEMA flood zone maps are public, and a lender or landlord may require flood coverage for some locations. Hurricane deductibles on Florida commercial property are often written separately from the all-other-perils deductible. We go over both, plus business income, before you sign.

What to have ready for a Stuart review

Stuart is also a medical hub for Martin County. Cleveland Clinic Martin North Hospital is in the city, and many independent practices, therapy clinics, and medical suppliers are nearby. Those offices tend to need cyber coverage for patient records before anything else.

• Your lease or deed and mortgage insurance requirements.
• Building details if you own the property: year built, roof age and type, and any wind mitigation inspection.
• Payroll by role, number of vehicles, and annual revenue.
• Five years of loss history from your current insurer, if available.

Stuart commercial insurance FAQs

Do you work with businesses in Martin County?

Yes. We serve Stuart and other Martin County businesses from our only office, at 1106 W Indiantown Rd, Suite 3, Jupiter, FL 33458.

Can you quote a boat dealer, marina, or repair yard?

Some marine operations need specialty markets. We review the general liability, property, auto, and workers’ compensation pieces and will tell you plainly if a specialty marine exposure is outside what we can place.

Is flood insurance part of my commercial property policy?

Usually not. Standard commercial property policies generally exclude flood, so flood is typically a separate policy through the NFIP or a private flood insurer.