Fort Myers Business Insurance from an Agency That Knows Lee County Risk

Fort Myers has no shortage of agencies chasing your commercial account — most of them quoting the same national templates against the same narrow carrier list. We do it differently: 27 years of Southwest Florida experience, access to 25+ carriers including Florida-specific specialty markets, and coverage built around the exposures Lee County businesses actually face.

Whether you run a contracting crew in Cape Coral, a trucking operation out of the Port of Fort Myers, a restaurant on Cleveland Avenue, or a professional office anywhere in Lee County, the right commercial policy starts with an agent who understands Florida wind exposure, roof-age underwriting, and named-storm deductibles — not just your zip code.

What Fort Myers Business Owners Are Up Against

Fort Myers Commercial Coverage, Built for the Businesses Here

Commercial Auto and Truck Insurance

Fort Myers contractors and trucking companies carry real exposure every time a vehicle leaves the yard — and personal auto policies won't cover a work truck, a flatbed, or a fleet of service vans. Our commercial auto coverage is built for the range of vehicles Lee County businesses actually operate, from a single contractor pickup to multi-unit trucking fleets. We shop 25+ carriers to find the right combination of liability limits, physical damage coverage, and hired-and-non-owned protection for how your business actually runs.

General Liability Insurance

Whether a client walks onto your job site, a customer slips in your restaurant, or a completed project generates a claim months later, general liability coverage is the foundation every Fort Myers business needs before it opens its doors. We work with contractors, retailers, landlords, healthcare offices, and service businesses across Lee County to match liability limits and policy structure to the actual scope of your operations — not a generic industry template.

Workers' Compensation Insurance

Florida requires workers' compensation coverage for most employers, and Lee County's construction and trades sector makes this one of the most scrutinized lines in the market. We help Fort Myers business owners find competitively priced workers' comp through our carrier network, with coverage structured around your payroll, classification codes, and industry. Getting this right from the start keeps you compliant and protects your people if something goes wrong on the job.

Independent Agency Advantage

We're not tied to a single carrier's appetite or pricing. When you work with Bob McMullen Insurance Agency, we shop your commercial account across 25+ carriers — including Florida-specific markets like Cabrillo Coastal, Cypress Property & Casualty, Frontline, and Safepoint that most national agencies can't access. That means more options, more competitive pricing, and a policy that actually fits your business instead of the closest available template.

27 Years Serving Southwest Florida Business

Founded in Bonita Springs in 1999, we've spent more than two decades building commercial coverage for the businesses that make Southwest Florida run — through soft markets, hard markets, and the kind of storm seasons that test every policy we write. Our named agents have direct lines, hands-on claims experience, and the kind of institutional knowledge that only comes from working in this market for a long time. That foundation now serves Fort Myers directly.

• 27 years in the Southwest Florida insurance market
• 25+ carriers, including coastal and high-risk specialty markets
• Named agents with direct lines — no call centers, no hold queues
• Spanish-language service available through agent Noemi Rodas
• 26+ year Lee County Chamber of Commerce member

Commercial Property Insurance

Fort Myers commercial property has faced hard market conditions since Hurricane Ian, and carriers are underwriting roof age and wind mitigation features more aggressively than ever. We access Florida-specific carriers — including specialty markets that write coastal and high-risk commercial property that standard carriers won't touch — to find coverage that reflects your building's actual condition and location, not a worst-case coastal assumption.

Fort Myers business owners deserve a commercial insurance partner who knows this market, knows the carriers willing to write it, and knows what local risk actually looks like after a major storm. We're ready to put that experience to work for your business.