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General Liability Insurance

Every business needs some form of General Liability also known as “Commercial General Liability ” insurance coverage 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.

Our dedicated team will work with you on an individual basis to find a policy that best suits your needs, for you, your business, properties and employees are assured.


Tell us about your insurance needs.

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

Learn more about Commercial Liability Insurance Coverage

Florida Insurance Requirements

Understanding the different types of coverages can help you find the right commercial liability insurance policy for your needs and budget.

It's Your Financial Protection.

Understand Florida policy coverages.

Find out what will impact the insurance price.

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 commercial liability insurance would cover:

It covers third party personal damages.

It covers third party property damages.

The damages you owe to a client.

Advertising injury (libel and slander) and Copyright claims.

It will protect you against claims by anyone who injures themselves while on your property.

At WE Insure, we offer free, comparative auto, home, and business quotes from multiple insurance carriers to get you the best possible assurance rate.

Want to see how much we can save you? Just request a quote to find out.

What does General Liability Insurance Cover?

General liability insurance 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 Florida General Liability Policy Components.

Third-party Bodily Injury

If someone is injured at your business or because of your business – 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.

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, and copyright infringement, to name a few.

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.

Damage to Premises Rented

Typically includes coverage for any damages to non-owned land, property and buildings or structures. The insured, or their business.

What the general liability policy doesn’t 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 Professional Mistakes — If your business provides a service or advice, you’ll want to consider professional liability insurance (errors and omissions policy). Coverage for your employees, is required by most States and is only available under workers’ compensation.

Employee Injuries — Coverage for your employees, is required by most States and is only available under workers’ compensation.

What does General Liability Insurance Cover?

General Liability costs vary widely based on individual rating factors, and every single insurance quote will generate a different premium. Bellow, you can find some of the things that commonly influence general liability insurance rates..

Your Exposure - The thing you do

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

Your Location

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

The number of employees

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

Credit History

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

Protective Devices

— Monitors alarm systems, smoke detectors, fire extinguishers, can lower the premium.

Claims History

— Claims maid on a homeowner’s insurance policy it'll increase the premium.

Coverages You choose

— Your insurance and coverage amounts choices and deductibles, have a significant impact on how much you'll pay.



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