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Florida General Liability Insurance for Small Business Protection

Safeguard your business from costly accidents and legal claims. Our general liability insurance service is built for Florida retail, contractors, offices, and more.

What Does General Liability Insurance Cover in Florida?

General liability insurance covers the real-world risks facing Florida businesses every day—so you’re protected from unexpected accidents, lawsuits, and claims.

Bodily Injury

Pays medical bills and legal fees if a customer or third party is injured on your business premises or because of your operations.

Property Damage

Covers accidental damage your business causes to another person’s property.

Personal & Advertising Injury

Protects against claims like slander, libel, or copyright infringement.

Products & Completed Operations

Claims arising from your products or completed work—even after a job is done.

Legal Defense Costs

Attorney fees, court costs, and settlements, even if the claim is groundless.

Typical Florida Example:

A customer trips over a display in your retail shop and sues for medical costs—general liability covers these claims, defense, and settlements.

Who Needs General Liability Insurance in Florida?

Nearly every Florida business, large or small, should carry general liability insurance—especially those who interact with the public, clients, or work on others’ property.


Common businesses that need coverage include:


  • Contractors, electricians, and trades
  • Retail shops and restaurants
  • Offices and consultants
  • Service providers and home businesses
  • Commercial landlords

Florida Note:
Many licenses and contracts require proof of general liability coverage—especially for contractors and building professionals.

How General Liability Policies Work in Florida

  • Policies are flexible—choose limits, add endorsements, and tailor to your risk.

  • Meets state and local requirements for many trades.

  • Can be packaged with property and other business insurance for extra value.

Business Owner’s Policy (BOP) Option:
Combine general liability with commercial property insurance for broader coverage and potential savings. A BOP is ideal for many small businesses in Florida.

Ask About Bundled BOP Coverage

Why Choose American Insurance Agency?

Florida business insurance experts

decades helping local companies, contractors, and retailers protect their reputation and assets.

Personal service

clear explanations, honest advice, and fast support for claims or certificates.

Independent, multi-carrier options

compare policies, prices, and extras to find your best fit.

Down-to-earth guidance

no jargon, just answers you can trust.

GENERAL LIABILITY INSURANCE

Frequently Asked Questions

  • What does general liability insurance NOT cover?

    It does not cover employee injuries (see workers’ comp), professional errors, or damage to your own property.

  • Is general liability insurance required by law in Florida?

    It’s not always legally required, but many licenses, leases, and contracts require it.

  • How much does general liability insurance cost in Florida?

    Costs vary by business type, size, and risk. We shop multiple carriers to find your best price and coverage.

  • Can I get a certificate of insurance quickly?

    Yes! We provide fast certificates for contracts and proof of coverage statewide.

  • Should I package general liability with other policies?

    Often, yes—bundling with property or a BOP can lower your costs and simplify protection.

HAVE MORE QUESTIONS? CONTACT OUR TEAM

Protect Your Business from Everyday Risks—Get Covered Now

Safeguard your Florida business with general liability insurance tailored to your needs—delivered fast, affordably, and with local expertise you can trust.

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