General Liability Insurance for Palm Beach County Businesses

Every business in Palm Beach County — whether you're a contractor in Lantana, a restaurant in West Palm Beach, a service business in Boynton Beach, or a marine operator in Riviera Beach — needs general liability insurance. A single slip-and-fall, a customer's damaged property, or an injury at your job site can wipe out a small business overnight. General liability is the financial shield that lets you keep operating. At B & B Insurance Agency, we've been writing general liability insurance in West Palm Beach, FL and across southern Palm Beach County since 1998. As an independent agency we shop multiple business carriers — not just one — to find the right combination of price, coverage limits, and industry-specific endorsements.

General liability (sometimes called Commercial General Liability or CGL) is the foundation of business insurance. It pays when your business is held responsible for: Bodily Injury: A customer slips and falls in your shop. A visitor trips on a job site. Medical bills, legal defense, and any settlement or judgment. Property Damage: A contractor damages a client's flooring during a service call. An employee knocks over an expensive piece of equipment. Repair or replacement costs and legal fees. Personal & Advertising Injury: Claims of libel, slander, copyright infringement, or false advertising in your marketing. Medical Payments: Smaller injuries at your premises, paid quickly without a lawsuit. Products & Completed Operations: A product you sold or work you completed causes injury or damage after the fact. Legal Defense Costs: Even if a claim is groundless, defending against it costs money. GL pays your defense costs.

Different businesses have different liability profiles, and we tailor coverage to industry: Contractors (Lantana, WPB, Boynton, Riviera Beach): Need higher limits because you're on client property. Many contracts now require $1M/$2M minimum, with some clients requiring $5M+. We add Products & Completed Operations and contractual liability automatically. Restaurants & Food Service: Unique exposures — foodborne illness, liquor liability where applicable, slip-and-falls, employee injury. Often bundled with workers' comp and commercial property in a single policy. Retail: Foot traffic = liability. Slip-and-fall and product liability are the biggest risks. Professional Services: General liability for premises and operations, plus often a separate Errors & Omissions (E&O) / professional liability policy. Marine Businesses (Riviera Beach): Specialized policies for marina operators, charter operators, and marine contractors. We have markets that write these — many agencies don't.

Most clients don't buy GL by itself — they bundle it with related coverages for both better pricing and seamless protection. The most common bundles: Business Owner's Policy (BOP): General liability + commercial property in a single package. Significant discount vs. separate policies. Good for retail, office-based businesses, and many small contractors. GL + Commercial Auto: If your business has vehicles, packaging earns a multi-line discount. GL + Workers' Compensation: Florida requires workers' comp once you have 4+ employees in most industries (1+ in construction). Bundled rates are typically lower. GL + Commercial Umbrella: For businesses needing limits above $1M/$2M (most large contractors), umbrella sits above your GL and commercial auto and is much cheaper per dollar of coverage than raising primary limits. We quote every business as a package and let you see how the math actually works out.