General Liability Insurance for Florida Small Businesses

Learn what general liability insurance covers, who needs it, and how Florida small business owners can get the right policy without overpaying.

TL;DR:** General liability insurance pays for third-party bodily injury, property damage, and certain advertising claims against your business. Most Florida small businesses, contractors, and service providers need it before they ever take a job, and many clients or landlords will require proof of it before they work with you. What You Need Before you start comparing policies, gather the following. Carriers use this information to calculate your premium. Business type and description.** A cleaning company carries different risk than a graphic designer. Annual revenue.** Premiums are often tied to how much business you do. Number of employees.** More people on the job usually means more exposure. Physical locations.** Do customers visit your space? That matters. Any prior claims.** Be honest. Carriers check. Contract requirements.** Some clients specify minimum coverage limits, often $1 million per occurrence. Once you have those handy, the quoting process at B&B Insurance goes quickly. 1. Understand Exactly What General Liability Covers General liability (GL) is not a catch-all business policy. It covers three specific categories of risk. Bodily Injury to Third Parties A customer walks into your Palm Beach County boutique, trips on a display stand, and breaks their wrist. They sue. Your GL policy covers their medical bills and your legal defense, up to your policy limit. This is the scenario most people picture, and it is the most common GL claim for retail and service businesses. Property Damage You Cause to Others You run a landscaping crew in Lantana. Your equipment kicks a rock through a homeowner's sliding glass door. GL covers the repair. Without it, that bill comes out of your pocket or your relationship with that client ends badly, or both. Personal and…