Florida's General Liability Insurance Agency

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What is General Liability Insurance?

General Liability Insurance (GLI) covers legal and financial responsibilities if your business is found liable for injuries, property damage, or personal/advertising harm. It's one of the most essential types of coverage for any business interacting with clients, customers, or the public.

What Does General Liability Insurance Cover?

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Icon for Bodily Injury coverage.Bodily Injury

Covers medical costs, legal fees, and settlements if someone is injured on your premises or due to your business activities.

Damaged property, representing property damage coverage.
Icon for Property Damage coverage.Property Damage

Pays for damage you or your employees cause to another person’s property during the course of business.

Speech bubble with '!' and '@' symbols, representing personal and advertising injury coverage.
Icon for Personal and Advertising Injury coverage.Personal & Advertising Injury

Protection from claims of libel, slander, copyright infringement, or false advertising.

Legal gavel and documents, representing legal defense costs coverage.
Icon for Legal Defense Costs coverage.Legal Defense Costs

Covers attorney fees, court costs, and settlements—even if you are not found liable.

A product box, representing products and completed operations coverage.
Icon for Products and Completed Operations coverage.Products & Completed Operations

Provides coverage for harm caused by products you’ve sold or services you’ve completed.

Who Needs General Liability Insurance?

Any Florida business that deals with clients, customers, or the public should carry GLI. This includes:

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Retail Stores & Restaurants

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Icon for Contractors & Tradespeople.

Contractors & Tradespeople

Icon for Real Estate & Property Managers.

Real Estate & Property Managers

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Icon for Consultants & Freelancers.

Consultants & Freelancers

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Icon for Medical Offices.

Medical Offices

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Event Organizers

Even home-based businesses can benefit from GLI, as homeowner’s insurance typically excludes business-related claims.

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How Much Does General Liability Insurance Cost in Florida?

Premiums vary depending on:

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Business size & Type
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Location & Risk Exposure
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Claims History
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Coverage limits & Deductibles
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Number of employees

On average, small businesses in Florida pay between $500 and $1,500 annually for basic GLI coverage.

What is Not Covered by General Liability Insurance?

While GLI offers broad protection, some risks require additional policies:

A person making a mistake on a tablet, representing professional mistakes not covered by GLI.
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Professional Mistakes

Covered by Professional Liability (Errors & Omissions) Insurance.

A person with a bandaged arm, representing employee injuries not covered by GLI.
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Employee Injuries

Covered by Workers' Compensation.

A car accident, representing vehicle accidents not covered by GLI.
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Vehicle Accidents

Covered by Commercial Auto Insurance.

A damaged building, representing property damage to your business not covered by GLI.
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Property Damage to Your Business

Covered by Commercial Property Insurance.

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Customizing Your Coverage

Every business is different.GreatFlorida agents help tailor your policy with additional options:

Icon for Higher coverage limits.
Higher coverage limits
Icon for Umbrella Insurance for added protection.
Umbrella Insurance for added protection
Icon for Bundled policies like BOP for cost savings.
Bundled policies like BOP for cost savings
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Build Your Own Personalized General Liability Insurance Policy in Florida

Get Prepared. Get GreatFlorida. Our agents make it easy to build a general liability insurance policy to shield your Florida business from injury and property damage claims. Customize cost-effective coverage with our experienced partners to protect your operations and reputation.

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About GreatFlorida Insurance

GreatFlorida Insurance is a network of independent, franchised insurance agents located throughout Florida. With 142 locations state-wide, it is easy to find a GreatFlorida Agency in your neighborhood.

We provide 24-hour service, 7 days a week, 365 days a year, through our partnered insurance companies.

Our Independent, GreatFlorida Insurance Agents will help you find affordable Insurance in Florida for you and your family.

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