General Liability Insurance

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Coverage That Protects Your Business from the Unexpected

General liability insurance helps protect your business from everyday risks-like customer injuries, property damage, and lawsuits. It's one of the most important coverages for small and mid-sized businesses across Florida. Whether you run a shop, an office, or a contracting crew, we'll help you find coverage that fits.

What's Typically Covered

Most general liability policies in Florida include:

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Bodily Injury

Covers medical bills if someone gets hurt on your premises

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Property Damage

Helps pay for accidental damage to someone else's property

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Legal Defense Costs

Covers legal fees and settlements for covered claims

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Personal & Advertising Injury

Protects against libel, slander, or copyright use issues

We'll help you understand the policy limits and tailor coverage to your industry's risks.

Who Needs General Liability Coverage?

This policy is essential for:

  • Retailers & shop owners
  • Contractors & home service providers
  • Offices & professional service firms
  • Restaurants & cafes
  • Event vendors & mobile businesses

If you interact with the public, lease space, or advertise your services-general liability is a must.

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Why Florida Businesses Choose Insured Choice

01

Industry-Specific Expertise

We understand the different risks faced by restaurants, retailers, contractors, and more.

02

Competitive Options from Top Carriers

We shop a wide network of insurers to find strong coverage and fair premiums.

03

Local Support

Questions? Claims? We're right here in Florida-no national call centers.

FAQs About General Liability Insurance in Florida

  • Is general liability insurance required by law in Florida?

    No, it's not legally required. But landlords, clients, and licensing boards often ask for proof before signing a lease or contract. It's smart protection, even if not mandatory.

  • Does general liability insurance cover employee injuries?

    No-it covers third-party injuries and property damage, not your employees. If you have a team, you'll need workers' comp to meet Florida's legal requirements.

  • Can I get general liability as a sole proprietor?

    Yes, absolutely. Even solo businesses face liability risks, and one accident or claim could lead to serious costs without coverage.

  • Does this cover mistakes in my work or advice?

    No. You'd need professional liability (E&O) coverage for that. We can help bundle both if your business needs it.

  • Can I bundle general liability with other policies?

    Yes-many small businesses combine it with commercial property in a Business Owner Policy (BOP) to save money and simplify coverage.

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Let's Build a Policy That Fits Your Business

We'll help you stay protected from legal surprises and costly claims. Reach out today for a no-pressure quote on general liability coverage.