General Liability Insurance

Everyday Protection for Everyday Business Risks

We help Florida business owners build smart, scalable protection that meets today’s legal and operational demands.

Why General Liability Insurance Matters

No matter your industry, your business interacts with the public—and that means risk. A customer trips in your lobby. You accidentally damage a client’s property during a job. Someone files a lawsuit over alleged advertising claims. These things happen, and without coverage, they could cost thousands. General liability insurance is foundational protection that helps you handle legal claims, pay for damages, and protect your reputation.

A group of women are sitting at a table laughing.
A man and a woman are looking at a tablet in a brewery.

What General Liability Insurance Can Cover

Bodily Injury

Covers medical expenses if someone is injured on your premises.

Property Damage

Protects against damage you cause to someone else’s property.

Legal Defense Costs

Pays for legal fees if your business is sued.

Personal & Advertising Injury

Covers claims like libel, slander, or false advertising.

Frequently Asked Questions

  • Is general liability insurance required in Florida?

    While it’s not legally required for all businesses, many landlords, vendors, and clients will demand proof of coverage. It’s considered essential for any business that serves customers face-to-face, works on client property, or advertises its services. It also protects your finances and credibility in the event of a claim.

  • Does this insurance cover my employees?

    No—general liability does not cover employee injuries or illnesses. That’s what workers’ compensation insurance is for. However, it does protect your business if a non-employee is hurt or if you’re sued for other liability issues.

  • What’s the difference between general liability and professional liability?

    General liability covers physical risks like injuries or property damage. Professional liability (also called errors & omissions) covers financial losses due to your professional advice or services. Many businesses benefit from carrying both.

  • How much liability coverage do I need?

    Most small businesses start with $1 million in coverage per occurrence. The right amount depends on your industry, risk exposure, and client contracts. We’ll help you determine the ideal limit and structure based on your operations.