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General Liability

Peace of Mind for Businesses On the Road.

Florida Commercial Liability Insurance


At is core, General Liability Insurance (a.k.a. CGL for Commercial General Liability) is the most basic form of commercial liability coverage. If you own a business, having General Liability coverage is not optional — it’s mandatory.

At WE Insure, we represent a wide range of General Liability Insurance companies in Florida and can help pair your business type with the best possible provider and pricing.

Why do you need Commercial Liability Insurance?


Liability insurance (also known as Commercial General Business Liability) protects a company’s assets and pays for obligations – medical costs, for example –incurred if someone gets hurt on your property or when there are property damages or injuries caused by you or your employees. Liability insurance also covers the cost of your legal defense and any settlement or award should you be successfully sued. Typically these include compensatory damages, non monetary losses suffered by the injured party, and punitive damages. 

General liability insurance can also protect you against any liability as a tenant if you cause damage to a property that you rent, such as by fire or other covered loss.

Finally, it can also cover claims of false or misleading advertising, including libel, slander, and copyright infringement.

It Covers third party property damages.

The damages you owe the client.

It Covers third party medical expenses

Lawsuits, investigations, and settlements claims against you or your company.

Advertising injury (libel and slander) and Copyright claims

What does Commercial Liability Insurance cover?


A commercial auto insurance policy is designed to be flexible for all kinds of vehicles and protects against a number of risks that are involved in owning and driving a business vehicle

Here are some important commercial liability coverages included in most policies:

Bodily injury liability

If someone is injured at your business or because of your business – customers – you are legally liable for their injury, including medical payments.

Property Damage Liability

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.

Products – Completed operations

Pays for the income you’d lose if your business is damaged and you can’t perform your normal business operations.

Personal and advertising injury

Not all injuries are physical. Any written or verbal communications that cause harm can also be covered. This 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.

Medical payments

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

What general liability doesn’t cover

While this 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.  Here’s a short list:

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.

Commercial vehicles – vehicles used for business are protected under a commercial auto policy. A personal auto policy won’t cover work related incidents.

It is important to note that flood insurance is not covered in the typical commercial property insurance policy.

Our risk specialists can help you determine the proper flood coverage you may need.

How Much Does Commercial Liability Insurance Cost?



The cost varies. The coverage your business needs depends on the type of business you operate, as well as the perceived risk associated with you or your industry. 

Generally the insurance company will ask for information before determining your premium, such as:

Business Location

Current and past business activities

How long you have been in business

Payroll amounts

History of previous claims

The size and type of your business

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