Business & Commercial General Liability Insurance
Start your quoteCommercial general liability (GL) insurance protects your business if someone is injured, or their property is damaged, because of your operations. Most commercial leases and client contracts in Florida require proof of GL coverage before you can sign. We write business coverage for small and mid-size businesses across Florida.
What's covered
Tap any item to see what it means in plain language.
Bodily injury & property damage
If a customer slips at your shop, or your crew damages a client's property, this pays the claim. It's the coverage landlords and clients ask to see proof of before signing anything.
Legal defense costs
Pays for your lawyers even if the claim against you turns out to be without merit. Defense costs alone can sink a small business, so this matters as much as the claim itself.
Products & completed operations
Covers issues that show up after a job is finished or a product is sold, like an installation that fails months later.
Advertising injury
Claims like copyright or trademark disputes tied to your marketing, or accusations of disparaging a competitor.
Medical payments
Pays for minor injuries at your place of business regardless of fault, which often resolves small incidents before they become lawsuits.
What's not covered
Employee injuries
That's workers' compensation, a separate coverage Florida requires for most employers. GL covers the public, not your own staff.
Professional errors (E&O)
Mistakes in the professional services or advice you provide need professional liability coverage, sometimes called errors & omissions. GL covers physical harm, not bad advice.
Your own property & equipment
Damage to your building, tools, or inventory is commercial property insurance, a separate coverage we can quote with your GL.
Cyber incidents
Data breaches and hacks need a separate cyber liability policy. A standard GL policy won't respond to them.
Good to know in Florida
- Florida requires workers' compensation separate from general liability, and the two get confused often. Most non-construction businesses need it at four or more employees; construction businesses need it with even one.
- Commercial landlords in Florida routinely require a minimum GL limit, commonly $1 million per occurrence, before they'll hand over keys.
- If your business serves clients directly or works on other people's property, gaps between what you think you're covered for and what your policy actually says can be expensive to find out about after a claim.
How our quoting works
We shop it around
We ask about your industry, revenue, number of employees, and whether you work on other people's property, then match you with carriers that understand your specific type of business rather than pricing it like a generic office.
Helpful to have handy
- Business name and a plain description of what you do
- Estimated annual revenue and payroll
- Number of employees
- Any coverage requirements from your lease or client contracts
- Prior claims or loss history, if any
Don't have all of it? Start anyway. We'll work with what you have.
Frequently asked questions
How much general liability coverage do I need?
It depends on your industry and contracts, but many commercial landlords and client agreements in Florida require a minimum of $1 million per occurrence. We can help you check what your lease or contracts actually require.
Is workers' compensation included in general liability insurance?
No, they're separate coverages. Florida generally requires workers' compensation once a non-construction business has four or more employees, or a construction business has even one. That's in addition to, not instead of, general liability insurance.
Do I need business insurance if I work from home?
Often yes. A homeowners policy typically excludes business activity and business property, so if clients visit your home or you store business equipment there, a business policy fills that gap.
Why does my client contract require a certificate of insurance?
Clients and landlords ask for a certificate of insurance to confirm you carry active general liability coverage at a specific limit before work begins or a lease starts. We can issue one once your policy is in place.