General Liability Insurance in Florida
Every business—even a single-person shop—faces the risk of lawsuits tied to everyday operations. General Liability Insurance (GL) cushions that blow by paying legal defense costs, settlements, or judgments when your business is blamed for third-party injuries or property damage.
What GL Protects
Slip-and-fall injuries in your office, shop, or jobsite
Damage to a client’s property while you’re working on-site
Advertising or reputational harm (e.g., accidental copyright or trademark violations)
Products-completed operations claims if something you install or sell causes harm
Common Myths—Busted
| Myth | Reality |
|---|---|
| “My LLC shields everything.” | An LLC guards personal assets, not business assets. Without GL, your company’s cash, equipment, and inventory can still be seized to satisfy a judgment. |
| “I have Professional Liability; I’m covered.” | E&O covers financial losses from your professional advice. GL covers bodily injury and property damage. Many firms need both. |
| “GL covers employee injuries & work driving.” | GL handles third-party claims only. Employee injuries require Workers’ Comp; accidents in company vehicles need Commercial Auto coverage. |
How to Size Your Coverage
Industry risk, client requirements, and asset value all factor into recommended limits. A licensed Florida Best Quote agent can compare multiple carriers—often bundling GL with property or BOP packages—to secure robust protection at the best price.
Ready to safeguard your operation? Request a free General Liability quote today and keep your business focused on growth, not courtrooms.
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