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Plapp Insurance Services

Insurance is just one of several methods of dealing with risk, and I like to help solve insurance and risk related issues for people and businesses. In many states, insurance is, generally, cost effective and readily available from numerous providers. Illinois is good example. Florida is not. The origin of Florida’s present insurance situation can be traced to 1992 and Hurricane Andrew. Since then, feckless decision making by government officials, mainly at the state level, some greedy insurance company executives, and some greedy if not unscrupulous contractors and personal injury attorneys, and their willing clients, have left the Florida property insurance market in shambles. In fact, most forms of insurance have been affected in one way or another. I will help you as best I can, but for the foreseeable future, insurance in Florida going to be a bumpy road.

While I’ve placed insurance coverage for a wide variety of businesses over the years, thanks to several shared-use kitchen clients, I have worked with a large number of food-related businesses, including caterers, restaurants, specialty shops, food trucks, and artisanal food and beverage producers. If you operate such a business or are planning to open one, please consider Plapp Insurance for your property and liability insurance needs.


Suite 126
540 Montreal Avenue
Melbourne, Florida 32935

Office Hours

  • Monday OPEN
  • Tuesday OPEN
  • Wednesday OPEN
  • Thursday OPEN
  • Friday OPEN
  • Saturday Available
  • Sunday Available

Why our clients choose us

“Been working with Scott for almost 8 years now. Has always been incredibly helpful and extremely knowledgeable. Have and will continue to recommend people to him and his services.”
“Scott is incredible to work with! He responded promptly after reaching out with an inquiry and impressed me with all of his insurance knowledge. Scott was able to provide several quotes for my business needs and assisted me with making an appropriate decision. I highly recommend working with Plapp Insurance Services!”

We offer the following coverages for small businesses

General Liability (GL) Insurance

General Liability is the most common form of insurance for small businesses, as every single professional is required to have some form of general liability coverage. Coterie offers both standard, year-long policies, as well as flexible duration, project-based coverage through our partners.

Business Owners Policy (BOP)

A Business Owners Policy (BOP) is more versatile, and protects both a business owner’s business and property – all in one package (typically combining General Liability and Property Insurance). This type of insurance for small businesses can reimburse the policyholder for damaged personal property.

Professional Liability Policy (PL)

Professional Liability (PL), also known as Errors and Omissions, a type of liability insurance that covers you for failure to uphold contractual promises in mostly service-based professions.

General Liability Insurance
Business Owners Policy
Professional Liability Insurance

Why we trust Coterie Insurance

Coterie Insurance was built from the ground up to empower small businesses and insurance agents with:
  • Affordable and competitive pricing
  • Streamlined insurance quotes reducing the lengthy, time-consuming application process
  • Flexible coverage options designed for today’s small & micro businesses
  • Coverage backed by A+ rated (excellent) licensed insurers and reinsurers
  • Professional claims handling – when the unexpected occurs, Coterie is there to help
Construction Insurance: Why It's Important for Your Business
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Through our partnership with Coterie Insurance, invest your time where it matters most — running your business — and enjoy the peace of mind that your hard work is protected by an insurance policy that meets your needs.

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