General Liability

General liability insurance in Florida is designed to protect your business from lawsuits should a customer or visitor experience an injury or have their property damaged. It also protects your business from a lawsuit associated with an advertising injury. Our state, Florida, has a reputation for being litigious, which means that lawsuits are on the rise, and the legal system here is known for awarding large judgments in favor of plaintiffs. Usually, the average slip-and-fall settlement in Florida is $35,000, and such a figure is after legal fees and attorney costs. If you own property or other valuable assets, it would be wise of you to invest in reasonable commercial general liability coverage for your Florida business to limit your exposure.

A lion with a wide open mouth

Commercial liability insurance (also called business liability insurance and commercial general liability insurance) protects your Florida business from financial loss resulting from claims of injury or damage caused to others by you or your employees. A policy typically covers:

  • Bodily Injury – physical damage to a person other than an employee at your place of business, as well as injuries caused by you or an employee at a client’s home or workplace.
  • Property Damage – damage caused by you or an employee to someone else’s property.
  • Personal Injury – libel, slander, copyright infringement, invasion of property or privacy, wrongful eviction, false arrest, and similar acts that cause damage to a person’s reputation or rights.
  • Advertising Injury – losses caused by your advertising.
  • Legal Defense and Judgments – costs to defend against real and frivolous suits and judgments up to the limit of your coverage. Note that this generally does not include punitive damages for negligence or willful misconduct.