General Liability Insurance

The foundation of every business insurance program. General liability protects your business from third-party claims of bodily injury, property damage, and advertising injury.

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Florida General Liability Insurance at a Glance

Covers third-party bodily injury, property damage, and advertising injury claims against your business
Not legally mandated in Florida, but required by most contracts, landlords, and clients
Most small businesses carry $1M per occurrence / $2M aggregate — the industry standard
Does NOT cover employee injuries (workers' comp), professional errors (E&O), or auto accidents (commercial auto)

What's Covered?

General liability insurance provides broad protection against the most common business risks.

Bodily Injury

Covers medical expenses, lost wages, and legal fees when a third party is injured on your premises or due to your operations.

Property Damage

Pays for damage your business operations cause to someone else's property — whether at your location or a job site.

Personal & Advertising Injury

Protects against claims of libel, slander, copyright infringement, and other advertising-related offenses.

Medical Payments

Covers minor medical expenses for third parties injured at your business — regardless of fault — helping prevent costly lawsuits.

Products & Completed Operations

Covers claims arising from products you sell or work you've completed — even after the job is done or the product is delivered.

Legal Defense Costs

Pays for attorneys, court costs, and settlements — even if the lawsuit is groundless, frivolous, or fraudulent.

Who Needs General Liability?

Virtually every business benefits from GL coverage. Here are some of the industries we serve.

HVAC, Plumbing & Electrical Contractors Retail Stores & Shops Restaurants & Food Service Real Estate & Property Management Delivery & Transportation Services Consulting & Professional Services

Frequently Asked Questions

While Florida doesn't mandate GL insurance for all businesses, many clients, landlords, and contracts require it. It's considered the foundation of any business insurance program and is essential for protecting your business from lawsuits.

GL insurance does not cover employee injuries (that's workers' comp), your own property (commercial property insurance), professional mistakes (professional liability/E&O), or auto accidents (commercial auto). That's why most businesses need multiple coverage types.

Most small businesses carry $1M per occurrence / $2M aggregate. However, your needs depend on your industry, contract requirements, and risk level. Many government and commercial contracts require specific minimum limits. We'll help you determine the right amount.

Premiums vary widely based on your industry, revenue, location, and claims history. Many small businesses pay $500-2,000/year. Contractors and higher-risk businesses may pay more. We shop multiple carriers to find you the best rate.