Florida General Liability Insurance

Critical Assurance for the Protection of Your Business.

Every business needs some form of general liability insurance coverage (also known as commercial general liability insurance) to protect company assets and sign necessary contracts. General liability can help small businesses pay for unexpected lawsuit costs, sign deals with new clients, rent commercial space, and avoid bankruptcy. This policy also reassures clients that you’ll be able to compensate them if you damage their property or injure someone with your work. Most small businesses get insurance shortly after they founded. Read more about general liability coverage.

smiling happy senior couple in the car
LET US KNOW

Get the protection you need and the attention you deserve!

It’s essential to understand what your coverage options are — not just for your business, but for you, and to others.

We’re local, independent insurance agency that provides tailored, personalized insurance coverage at a price that matches your needs.

Why do you need</br> General Liability Insurance?

Why do you need
General Liability Insurance?

Having insurance is a legal requirement that provides financial protection of the cost of a potential loss.
Read More
What does General Liability</br> Insurance cover?

What does General Liability
Insurance cover?

The right level of cover protects in the event of your damage to properties and injuries you and to others.
Read More
How Much Does General Liability</br>  Insurance Cost?

How Much Does General Liability
Insurance Cost?

An insurance premium is based on several factors, including your age, where you live, and what kind covers you buy..
Read More

Why do you need General Liability Insurance?

A single accident could result in a lawsuit that you might not be able to handle. A great way to protect against this is to make sure you have liability coverage that matches your level of exposure.

Here are some specific circumstances that personal car insurance would cover:

  • It covers third party property damages,
  • The damages you owe to a client,
  • It Covers third party medical expenses,
  • Advertising injury (libel and slander) and Copyright claims.

What does General Liability Insurance cover?

General liability insurance can cover expenses related to non-employee injuries that happen at your property, damage you cause to someone else’s property, libel, and slander. In other words, it can cover some of the most common lawsuits that arise from everyday business activities.
If your business is sued, your general liability policy covers the lawsuit, and your insurance can help pay for legal expenses, including attorney’s fees and settlements.

Typical Components Of Florida Liability Insurance Policy.

Third-party Bodily Injury

If someone is injured at your business or because of your business – customers – you are legally liable for their injury, including medical payments. Also referred to as “legal liability coverage.”

Third-party Property Damage

In the course of doing business, you cause damage to someone else’s property, whether that’s an actual property location (like their building) or simply an item they own. Also referred to as “legal liability coverage.”

Medical Payments

Medical payments cover any non-employee medical or funeral-related expenses for which your business is responsible. Your coverage depends on your selected limits.

Personal and Advertising Injury

Not all injuries are physical. Any written or verbal communications that cause harm can also be covered. This coverage encompasses libel, slander, malicious mischief, and copyright infringement, to name a few.

Damage to Premises Rented.

General liability coverage typically includes coverage for any damages to non-owned land, buildings, or structures. The insured, or their business, must be legally liable for the damages for coverage to apply..

What does General Liability Insurance cover?

While commercial liability insurance offers broad protection for your business, it doesn’t cover absolutely everything. You might have additional insurance needs that aren’t covered by general liability insurance. There are many other products available to protect your business.

  • Owned Commercial Property – Protected along with other equipment and goods under a business owner’s policy (BOP),
  • Employee Injuries – Coverage for your employees, is required by most States and is only available under workers’ compensation.
  • Professional mistakes – If your business provides a service or advice, you’ll want to consider professional liability insurance (errors and omissions).

How Much Does General Liability Insurance Cost?

Insurance costs vary widely based on individual rating factors, and every single insurance quote will generate a different premium. We compared premiums from some of America’s most popular insurers.

Your location

Rates vary based on where you conduct business, highly populated areas, and places with increased claims will generally pay more.

The number of employees

A business with no employees, are exposed to less risk than a company with employees.

Your exposure

A small business that manufactures, delivers, and installs equipment, is exposed to more risk than a company that only delivers products.

Coverages You Choose

Your insurance choices and coverage amounts have a significant impact on how much you’ll pay.

Credit History

The better your credit, the more favorable your rates will usually be.

Scroll to Top