General Liability Insurance

DO I Need General Liability Insurance?

General Liability Insurance Quotes

General Liability Insurance (also called Commercial Insurance) helps protect your company or professional practice from claims of bodily injury to a customer or damage to a customer’s property resulting from using your product or service. Many General Liability policies also cover claims of personal injury such as libel or slander and advertising injury claims of misrepresentation of your products or services. Sometime, General Liability is included as part of a comprehensive Business Owners Policy (BOP). However, coverage in those instances are typically low and may not offer sufficient protection for your specific risk exposures. General Liability insurance is an essential part of your business insurance portfolio, whether you work from an office, out of your home or in the field. If you are starting a company, it is a good practice to purchase your General Liability coverage before you open for business. If you already have a General Liability policy, you should review it periodically to make sure it is up to date. As your business expands, it’s a wise idea to increase your coverage limits and reduce your exposure to claims.

You can get quotes for General Liability insurance using the form shown at the top of this page.

Who Needs General Liability Insurance?

You need General Liability insurance coverage if:

Florida small business insurance policies

In Florida, some of the most common policies for small businesses include:

General liability insurance

General liability insurance helps cover expenses related to injuries incurred by customers and visitors to your property. It can also help cover property damage and advertising injuries. Examples of situations that may be covered by general liability include:

  • A deliveryman slides on ice on the front step of your business and breaks a wrist.

  • A model attending a photo shoot at your private studio trips over a loose cable and twists an ankle.

  • Your marketing team comes up with a slogan that your competitor claims is slander.

Property insurance

Your business property, which includes the building, equipment, and inventory, may suffer damages due to accidents or crime. Commercial property insurance can help pay for repairs or replacements that are necessary when:

  • A pipe breaks at your convenience store, causing extensive water damage to your inventory.

  • Expensive lotions and beauty products are stolen from your spa.

  • An employee at your architecture firm knocks over a detailed scale replica of a building.

Florida Small Business Insurance

For a small business in Florida, or anywhere else in the world to succeed today, it has to be nimble and adjust to the changing times. We think the way you buy small business insurance should be held to the same standards. We customize small business insurance policies to your needs. Small business insurance products offered in Florida include:

General liability insurance, known as Commercial General Liability (CGL), protects your business from another person or business’s claims of bodily injury, associated medical costs, and damage to property. Some examples of what could be covered are below:

  • Bodily injury: It is raining outside and a client hastily enters a spa and slips on the floor, which does not have a wet floor sign. The client sustains injuries and makes a claim against the spa owner. A general liability insurance policy could cover the client’s medical costs, including any lost wages, that result from the injury.

  • Property damage/data loss: A consultant is working in a new client’s office when they accidentally spill coffee on the server. The machine is damaged beyond repair and valuable data is lost. The consultant’s general liability insurance could cover the cost to replace the server.

  • Personal injury: A tax preparer is overheard talking about a client in a false and unflattering way. The client finds out about the conversation and sues for slander. The tax preparer’s general liability policy could cover the defense costs as well as any settlement or judgment.

Professional liability insurance, also known as errors and omissions insurance (E&O insurance), covers another person’s claims against businesses that provide professional and personal services. Some examples of what could be covered include: