Jump ahead to learn:
- Is it required to have General Liability insurance in Florida?
- How does Florida General Liability insurance work?
- What does General Liability insurance cost in Florida?
- How ERGO NEXT General Liability insurance can help protect Florida business owners
Is it required to have General Liability insurance in Florida?
Commercial general liability insurance can be required for your small business in Florida if you want to:
- Lease a commercial space, as many landlords require tenants to maintain general liability insurance in case someone gets hurt on the property.
- Get or maintain a business license in some professions.
- Do business with some clients, as many require a certificate of insurance (COI) as proof of coverage before signing a contract.
- Obtain some legal permits for things like construction projects or festivals and other events.
What can commercial General Liability insurance cover in Florida?
Whether you’re a Fort Pierce janitor or a Port St. Lucie tile installer, liability insurance coverage could help protect your business from a range of day-to-day business risks. Almost any Florida small business, including LLCs and sole proprietors, could benefit from the financial protections of general liability insurance.
Rather than paying for some accidents out of pocket, your business liability insurance could help cover costs if:
- A non-employee gets hurt at your place of business – and asks you to cover their medical bills
- You or your employees accidentally damage someone else’s property while working
- Your business is accused of making harmful statements against another entity in their advertising, as well as accusations of slander or libel
- Someone takes action against your business and there are associated legal and court fees
Examples of General Liability insurance small business claims in Florida
- A passerby in Miami gets hurt when a debris removal company accidentally drops a wood beam on their foot. The general liability policy could help cover the medical expenses and any subsequent legal costs if they get sued.
- A painter in Tampa accidentally drips paint on a client’s expensive designer sofa. Their FL general liability insurance could help cover the cost for the client’s damaged property.
A fitness instructor in Jacksonville gets sued for including false statements about a competitor local gym that tarnish its reputation and credibility. General liability insurance could step in to help pay settlements and legal fees.
