General Liability Insurance in Florida
The foundation of any business insurance program. General Liability protects your Florida business from claims of bodily injury, property damage, and personal injury.
What Is General Liability Insurance?
General Liability insurance — also called Commercial General Liability (CGL) — is the cornerstone of business insurance. It protects your business from claims that arise from your operations, products, or services that result in bodily injury or property damage to a third party.
Most Florida businesses, contractors, and landlords are required by clients or building owners to carry General Liability. Without it, a single lawsuit could devastate your business financially.
What's Typically Covered
- Bodily injury coverage (a customer slips and falls at your location)
- Property damage coverage (you damage a client's property)
- Personal and advertising injury (libel, slander, copyright infringement)
- Products and completed operations coverage
- Medical payments to injured third parties
- Legal defense costs
Frequently Asked Questions
How much General Liability insurance do I need?
Most businesses carry $1–2 million per occurrence and $2–4 million aggregate. Requirements vary by industry and contract.
Is General Liability required by law in Florida?
Florida does not universally mandate GL, but most contracts, leases, and licensing boards require it.
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