Insurance for Shopping Centers in Florida

Bellken Insurance Group is a local provider of tailored business insurance products specifically designed to meet the needs of shopping centers in Florida. Our team understands the unique liabilities associated with owning and operating such a large commercial structure, and our experienced agents can help you find the right coverage at an affordable rate. Plus, we provide flexible payment options so you can manage your cash flow more easily while still protecting your investment.

Contact us today to learn more about our Florida retail outlet insurance products and to get a free quote for coverage. We look forward to helping you secure the protection that your shopping center needs.

While shopping center insurance is designed to protect businesses of all sizes, it is especially important for the following groups:

• Shopping Center Owners and Developers
• Property Managers
• Retail Outlet Leasing Companies
• Independent Store Owners
• Food Court Operators
• Restaurateurs
• Businesses with High-Traffic Locations
• Property Investors
• Entertainment Venue Operators
• Parking Lot and Garage Owners
• Retail Shopping Center Employees
• Mall Security Companies
• Outdoor Market Vendors
• Shopping Complex Maintenance Teams
• Shopping Center Tenants and Sub-Tenants

Can't see your group on this list? Contact us – we can help you find the right insurance solution for your specific needs.

General Liability Coverage is a critical component of insurance for shopping centers in Florida, as it protects the business from financial losses related to third-party claims arising from accidents or incidents on the property or as a result of its operations. This coverage is essential in safeguarding the shopping center's reputation and financial stability.

Key aspects of General Liability Coverage for Florida shopping centers include:

1. Bodily Injury Liability: This coverage protects the shopping center if a visitor or tenant suffers an injury on the premises due to negligence or unsafe conditions. It covers medical expenses, legal fees, and potential settlements or judgments resulting from such incidents.
2. Property Damage Liability: If the shopping center's operations cause damage to someone else's property, this coverage helps pay for repair or replacement costs, as well as any legal fees if a lawsuit arises.
3. Personal and Advertising Injury Liability: This coverage protects the shopping center from claims related to libel, slander, copyright infringement, or other advertising injuries that may occur as a result of its promotional activities.
4. Medical Payments: General Liability Coverage often includes a provision for medical payments, which covers minor injuries to visitors on the shopping center's premises, regardless of fault. This coverage can help prevent small incidents from escalating into costly lawsuits.
5. Tenant Legal Liability: This component protects the shopping center owner from claims made by tenants alleging damages or losses caused by the owner's negligence in maintaining the property.
6. Premises Liability: Shopping centers have a responsibility to maintain safe premises for their tenants and visitors. This coverage helps protect the shopping center against claims related to accidents or injuries occurring on the property due to poor maintenance or hazardous conditions.

General liability policies can also include additional coverage options, such as Cyber Liability, Product Liability, and Employment Practices Liability.

Umbrella Coverage, also known as Excess Liability Insurance, is an important policy for shopping malls in Florida. It offers additional liability protection that goes beyond the limits of the underlying policies, such as General Liability, Commercial Auto, and Workers' Compensation. Given the potential for large claims or lawsuits in the retail industry, having Umbrella Coverage can be crucial for safeguarding a shopping mall's financial stability.

Umbrella Coverage several benefits to Florida shopping malls including:

1. Increased Liability Limits: Umbrella Coverage provides extra protection by increasing the liability limits of the underlying policies. This ensures that the shopping mall has sufficient coverage in case of significant claims or lawsuits that exceed the limits of the primary policies.
2. Broadened Coverage: In some cases, Umbrella Coverage may also provide coverage for certain risks or incidents that are not covered by the underlying policies, offering more comprehensive protection for the shopping mall.
3. Legal Defense Costs: Umbrella Coverage can help cover legal defense fees, settlements, and judgments in case of lawsuits that exceed the limits of the underlying policies. This is especially important for shopping malls due to the high potential for accidents, injuries, and property damage claims.
4. Flexibility: Umbrella Coverage is a flexible policy that can be tailored to the specific needs and risks of a shopping mall. It can be adjusted to provide the desired level of protection, ensuring that the shopping mall is adequately covered against potential liabilities.
5. Cost-Savings: Purchasing Umbrella Coverage can be a cost-effective way for shopping malls to obtain higher liability limits, as the premium for an Umbrella policy is typically lower than the cost of increasing the limits on individual underlying policies.

You can customize Umbrella Coverage for your Florida shopping mall to provide the protection you need.

Workers' compensation insurance is required for any businesses with four or more employees in Florida, and shopping malls are no exception. This type of policy provides coverage in case an employee suffers a work-related injury or illness, protecting the mall from potentially costly legal claims.

In Florida, workers' compensation insurance is regulated by the state and must be provided by a licensed carrier. The policy provides benefits to employees for medical care, lost wages, and other expenses associated with workplace injuries or illnesses. This type of coverage also protects the mall from being held liable for any work-related injuries or illnesses.

The cost of insurance for a shopping center in Florida will vary depending on the type and amount of coverage purchased, as well as other factors such as the size and location of the mall. It's important to work with an experienced insurance agent to get the best possible rate for your coverage. Shopping center owners should also consider any potential discounts they may be eligible for.



It's important to shop around and compare quotes from different insurance companies when looking for the best coverage for your Florida shopping mall. Working with a knowledgeable agent can help you find the right policy at the right price for your business.