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.
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.
Frequently Asked Questions
Is general liability insurance required in Florida?
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.
What does general liability NOT cover?
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.
How much general liability coverage do I need?
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.
How much does general liability insurance cost?
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.
Protect Your Business from Day One
Get a free general liability quote. We shop multiple commercial carriers to find the best rate for your business.