General Liability Insurance
Protects your business when things go wrong.
A general liability policy in Florida protects your business when things go wrong. The most common example is a slip-and-fall accident. General liability coverage protects you regardless of fault and covers your defense costs — and if you're found liable, it can pay damages and related medical expenses up to your policy limits.
Coverages
Bodily injury & property damage
Covers your premises, operations, completed operations, assumed contractual liability, and contingent liability.
Injuries to non-employees
If someone other than your employee is injured on your property, this can cover their medical plus legal expenses and damages — e.g. someone trips over your gear, or you drop equipment and damage a client's floor.
Personal & advertising injury
Covers claims like misuse of an image in your advertising, an employee disparaging a client online, or accusations of libel or slander.
Medical payments to others
If someone is injured on-site and asks you to cover their medical expenses.
Frequently asked questions
What does general liability insurance cover?+
Bodily injury and property damage to non-employees, personal and advertising injury, and medical payments to others — plus your legal defense costs.
Does it protect me regardless of fault?+
Yes — general liability covers your defense costs regardless of fault, and pays damages up to your policy limits if you're found liable.
What's a common example of a claim?+
A slip-and-fall accident is the most common — but it also covers things like damaging a client's property or advertising-injury claims.
Ready to get protected?
Let's talk about your coverage needs. We shop the market for the best policy at the best price.