Insurance got more expensive. That doesn’t mean you’re stuck.
Business Setup & Insurance Readiness for -Florida Businesses
Protect Your Business Before Insurance Is Tested
Starting or growing a business comes with risk — and most insurance problems don’t show up until a claim, audit, or lawsuit happens.
At S & J Insurance Group, we help business owners set up their operations, documentation, and insurance the right way from the start — so coverage works when it matters.
👉 Insurance placement is just one piece. Readiness is what protects you.
Who This Is For
- Contractors & pool companies
- Service businesses using subcontractors
- Small artisans & trades
- Commercial property owners
- HOAs / COAs
- Businesses unsure what coverage they actually need
What We Do
We provide insurance-driven education, risk reviews, and compliance frameworks to help your business align with how insurers evaluate risk.
✔ Business setup & insurance readiness reviews
✔ Subcontractor & vendor compliance guidance
✔ Certificate of Insurance (COI) review & monitoring
✔ Documentation frameworks (for attorney review)
✔ Ongoing compliance support for high-turnover businesses
We do not provide legal or tax advice. All documents must be reviewed by your attorney.
Why this matters
Most uncovered losses happen because:
- the business structure didn’t match operations
- subcontractors weren’t insured correctly
- vehicles were misclassified
- documentation didn’t align with insurance
We help prevent those gaps