GENERAL LIABILITY INSURANCE
General Liability Insurance for Florida Businesses
Fast COIs and Affordable Quotes
Protect your business from third party injuries, property damage, and advertising injury claims with coverage tailored to your industry.
What You Get
What General Liability Covers
Bodily Injury to customers or visitors
Property Damage to someone else’s property
Personal and Advertising Injury such as libel or copyright in ads
Medical Payments for minor injuries without fault
Products and Completed Operations claims after you finish a job
Typical limits are chosen to meet contract needs. Common options include 1 million per occurrence and 2 million aggregate. We will size limits to your risk and budget.
What It Does Not Cover
Injuries to your employees, use Workers Compensation
Damage to your own property or equipment, use Commercial Property or Inland Marine
Professional advice mistakes, use Professional Liability E&O
Auto related claims, use Commercial Auto
Intentional acts or expected injury
Related option to evaluate: a Business Owner’s Policy (BOP), which combines general liability with property and can include business income coverage.
Why Florida Businesses Choose Us?
- Florida based commercial team that knows local contract requirements
- We compare multiple carriers for your best rate and coverage fit
- Same day Certificates of Insurance for jobs and lenders
- Additional Insured, Primary and Noncontributory, Waiver of Subrogation available when required
- Annual policy reviews and help with audits and claims
- Bilingual friendly support
Talk to a Commercial Specialist
Frequently Asked Questions
What does general liability cover?
Injuries to non-employees, damage to others’ property, and personal or advertising injury such as libel.
Is my own property covered?
No. General liability is for third party claims. Protect your building and contents with commercial property or a Business Owner’s Policy.
What limits do most businesses choose?
Many start at 1 million per occurrence with a 2 million aggregate. We will tailor limits to your contracts and risk profile.
Do I need additional insured wording for clients?
Often yes. We can add clients or landlords as additional insured and provide a Certificate of Insurance quickly.
What is products and completed operations?
It helps protect your business after a job is finished or a product is sold if a covered claim arises.
Does this cover professional advice errors?
No. Add professional liability, also called E and O, to cover mistakes in professional services.
Industries We Insure
Contractors and trades, retailers and e-commerce, restaurants and food service, professional offices, cleaning and janitorial, landscaping, real estate and property managers, fitness and wellness, nonprofits and community groups, and many more.
How Pricing Works in Florida
Your premium depends on industry risk, revenue or payroll, location, claims history, and required limits. We will show you multiple quotes, explain rating factors, and apply every credit available.
Customers Feedback
Other Insurances
Personal Insurance
Life, Health, Home, and Auto protection, made simple.
Honest advice from local experts.
Commercial Property
Protects your building, equipment, and inventory against fire, theft, or other covered risks.
Employment Practices Liability
Coverage for employee claims like discrimination, harassment, and wrongful termination.
Business Owner’s Policy (BOP)
Combines liability and property coverage into one affordable, convenient package.
Workers’ Compensation
Provides coverage for employees injured on the job, including medical bills and lost wages.
Professional Liability
Protects you if a client claims your service caused them financial loss.
Commercial Auto Insurance
Covers vehicles your business relies on, from service vans to delivery trucks.
Cyber Liability Insurance
Keeps your business secure against data breaches and cyberattacks.
General Liability Insurance
Shields your business from costly claims such as customer injuries or property damage.