General Liability Insurance

What Is General Liability Insurance?

General liability protects your business from the real risks you face every day—property damage, customer injuries, or claims of negligence. For Florida’s small business owners and contractors, it’s the single most essential policy you’ll need to work with clients, sign leases, or win contracts.


Whether you run a construction crew, restaurant, or office, general liability insurance provides a safety net so one mistake or accident doesn’t threaten your entire business.

Red car with severe damage to the rear, loaded on a tow truck.
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What Does General Liability Cover?

Bodily Injury

Covers medical bills, legal fees, and damages if someone is injured at your business or job site.

Property Damage

Pays to repair or replace another party’s property if your business is responsible.

Personal & Advertising Injury

Protects against claims like slander, libel, or copyright infringement.

Legal Defense Costs

Covers attorney fees, court costs, and settlements, even for unfounded claims.

Many general liability policies can be customized with additional protections—like higher limits or coverage for subcontractors.

Red car with severe damage to the rear, loaded on a tow truck.

Who Needs General Liability Insurance?

General liability is a must for:


  • Contractors, trades, and construction businesses
  • Restaurants, retailers, and offices
  • Anyone who meets with clients, works on customer property, or leases commercial space


If your business interacts with the public, clients, or vendors, you’ll likely need this coverage for contracts, licenses, or peace of mind.

General Liability vs. Other Coverage

  • General Liability vs. BOP: BOPs bundle general liability with property insurance. If you just need liability, a standalone policy may be right for you.
  • General Liability vs. Professional Liability: Professional liability (E&O) covers errors in your services or advice—essential for consultants or firms.

Benefits of General Liability

  • Compliance: Satisfy client, landlord, or state insurance requirements
  • Protection: Guard your business and personal assets
  • Confidence: Bid bigger jobs and take on new clients without worry
Red car with severe damage to the rear, loaded on a tow truck.

Frequently Asked Questions – General Liability Insurance

  • Is general liability required by law in Florida?

    Not always, but it’s required by many contracts and to obtain certain business licenses.

  • How much coverage do I need?

    Typical small businesses start with $1 million per occurrence, but we’ll help you determine the right amount for your risk.

  • What does general liability not cover?

    It doesn’t cover employee injuries (see workers’ comp), damage to your property, or professional errors.

  • How fast can I get a certificate of insurance?

    Same day in most cases—just call or email us.

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Ready for a Liability Quote?

Let’s review your operations, answer your questions, and get you covered quickly—always with advice you can trust.