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General Liability Insurance for Florida Small Businesses
The foundation of almost every business insurance plan. Get the limits your lease and contracts require without paying for more than you need.
Free and no obligation. About 2 minutes. Your information is never sold.
Who Needs It
- Businesses with customers visiting your location
- Anyone who works at client homes or job sites
- Tenants whose lease requires liability coverage
- Businesses signing contracts with insurance requirements
- Contractors, cleaners, landscapers, and other service pros
- Retail shops, salons, studios, and restaurants
What It Covers
General liability protects you when someone outside your business claims you caused an injury or damage.
- Bodily Injury
- A customer or visitor is hurt because of your business operations.
- Property Damage
- You or your work damages someone else's property.
- Personal and Advertising Injury
- Claims like slander, libel, or using someone else's advertising idea.
- Products and Completed Operations
- Injury or damage caused by a product you sold or work you finished.
- Medical Payments
- Small medical bills for injured visitors, often paid regardless of fault.
- Legal Defense
- Attorney fees and court costs to defend covered claims, even groundless ones.
Does your lease or contract require proof of insurance?We'll compare carriers and walk you through your options in plain language.
Get My Free GL QuoteWhat It Doesn't Cover
Straight answers up front, so there are no surprises at claim time.
- Employee injuries. Your own workers are covered by workers' compensation
- Your own property. Your building, equipment, and inventory need commercial property coverage
- Professional mistakes. Errors in advice or professional services fall under professional liability, also called errors and omissions (E&O)
- Vehicle accidents. Business vehicles need commercial auto coverage
- Intentional acts. Deliberate harm is never covered
What Florida Business Owners Should Know
- Leases and contracts set the minimumLandlords and clients commonly ask for limits like $1 million per occurrence and $2 million aggregate. We'll match your policy to what your agreements require.
- Bundling can save moneyMany eligible small businesses get general liability and property together in a business owner's policy, often for less than buying each separately.
- An LLC isn't insuranceForming an LLC can help separate business and personal finances, but it doesn't pay claims or legal defense costs.
What One Claim Can Cost
A customer slips in your shop, or a pipe you installed leaks into a client's ceiling. Even when a claim is weak, hiring an attorney to respond can cost thousands before anyone decides who was at fault. General liability exists so a single bad day doesn't drain the business you've built.
What Affects Your Price
Every quote is different. These are the biggest factors carriers look at.
- Your industry and level of risk
- Annual revenue
- Number of employees
- Claims history
- Limits and deductible you choose
Because we're independent, you see real options from multiple carriers instead of a single take-it-or-leave-it price.
Common Questions
How much general liability coverage do I need?
Start with what your lease and contracts require, then consider the size of jobs you take on. Many small businesses carry $1 million per occurrence and $2 million aggregate.
What's the difference between general liability and a BOP?
A business owner's policy bundles general liability with commercial property, and often business income coverage, into one policy for eligible small businesses.
Is general liability the same as professional liability?
No. General liability covers physical injury and property damage. Professional liability, often called E&O, covers claims that your advice or services caused someone a financial loss.
Is general liability required by law in Florida?
Not for every business, but it's often required by leases, contracts, and some licensing boards, including for certified contractors.
Get Your General Liability Quote
No pressure and no obligation. If the coverage you already have is the better deal, we'll tell you.
Prefer to talk? Call or text (813) 603-8714