Business Automobile
Commercial auto coverage can help protect vehicles used for business, including cars, trucks, and vans. We help compare options based on how the vehicles are owned, used, and driven.
Business Insurance
Tell us about your business once, and our independent agency can shop coverage options from more than 30 rated companies for you. We help business owners compare options in Florida, Georgia, North Carolina, and Tennessee.
One request. We shop over 30 rated companies for you.
Business insurance should be clear enough to act on. Our team helps business owners compare coverage options for liability, property, commercial auto, workers compensation, cyber liability, and other business risks.
Commercial auto coverage can help protect vehicles used for business, including cars, trucks, and vans. We help compare options based on how the vehicles are owned, used, and driven.
→Cyber liability coverage can help businesses respond to data breaches, cyber attacks, and related recovery costs. Our team can help compare options that fit your operations.
→Employment practices liability insurance can help protect against certain employee-related claims. We help business owners review options based on their workforce and risk.
→General liability insurance can help protect businesses from certain third-party injury, property damage, and liability claims. We help compare options from rated companies.
→Product liability coverage can help businesses that make, sell, distribute, or repair products manage certain product-related claims.
→Professional liability coverage can help protect service businesses from certain claims related to professional advice, services, or errors. Our team can help compare options based on your profession.
→Surety bonds can help businesses meet contract, licensing, or project requirements. Our team can help compare available bond options and explain the next steps.
→Workers compensation coverage can help protect employees and businesses when job-related injuries or illnesses occur. We help employers compare options and understand next steps.
→Welcome to Oyer, Macoviak and Associates, your independent agency for commercial insurance solutions. Since 1953, we’ve helped business owners compare business insurance options in Florida, Georgia, North Carolina, and Tennessee.
We compare options from more than 30 rated insurance companies and help you understand which coverage choices may fit your business, industry, vehicles, employees, contracts, and risk. Many businesses review contractors liability insurance, commercial auto insurance, and workers compensation insurance together so coverage conversations do not happen in separate silos.
Our goal is to make the process easier. You provide the details once, and our team handles the comparison work so you do not have to chase multiple companies on your own.
Whether you need general liability, a business owners policy, commercial auto, workers compensation, or another commercial policy, we help you compare available options and choose the next step with confidence.

One request. We shop over 30 rated companies for you.



If you’re a business owner, then you know that the most important asset you need to protect is your company itself and your employees.
At Oyer, Macoviak and Associates, we are dedicated to helping clients compare business insurance options while we do the shopping work for them.
We work with more than 30 rated companies, giving our team multiple places to look for business insurance options that may fit your operations, contracts, and risk profile.
Let us help review your options so your business has a clearer path forward.
FAQ Business Insurance
As a local independent insurance agency based in Boynton Beach, Florida, we help business owners compare coverage options across Florida, Georgia, North Carolina, and Tennessee. Our team takes the time to understand your business, explain available options, and make it easier to protect what you are building. We are also a Trusted Choice Insurance Agency (Independent Insurance Agent).
Prepare a complete operations description, locations, revenue, payroll, employee classes, property values, vehicles and drivers, subcontractor use, contracts, certificates, losses, current policies, and the limits or deductibles you want compared.
No. Eligibility and included coverage vary by company, industry, location, size, property, operations, and policy form. Some businesses need separate or specialist policies.
No. Property, vehicles, employee injuries, professional services, cyber events, crime, equipment, contracts, and business interruption can require separate review. The actual policy controls.
No. Oyer can review available options where eligible, but underwriting, pricing, document requirements, effective dates, and carrier decisions are not guaranteed.
No. It begins the review. Coverage is effective only after an authorized insurer or licensed representative confirms binding and all required conditions are satisfied.