10+ Years Florida Business Expertise • Free Consultations • Tailored & Affordable Protection
Why General Liability Insurance Matters
General Liability Insurance (GLI) is your first line of defense—shielding your business from claims of:
- Bodily injury to third parties, such as customers slipping in your store
- Property damage you or your employees cause during business operations
- Advertising/personal injury claims like libel, slander, or copyright infringement
- Legal defense costs, including lawyer fees and settlements—even if you're not found liable
- Product and completed operations liability, if your services or products cause harm later
Whether you're in retail, contracting, events, or professional services, GLI is essential for any Florida business interacting with the public or customer property.
What’s Not Covered
GLI provides broad protection, but it does not cover:
- Intentional acts or criminal behavior
- Professional errors or advice (you’ll need Errors & Omissions coverage)
- Employee injuries (covered by Workers’ Compensation)
- Business vehicle accidents (covered by Commercial Auto Insurance)
- Damage to your own property or stocks
- Liquor-related claims, pollution, or punitive damages
Typical Coverage Limits
Most businesses in Florida choose a policy with:
Limit Type
Per Occurrence
Aggregate (Annual)
Typical Amount
$1 million
$2 million
These limits satisfy most lease agreements and client contract requirements. Higher limits (e.g. $2M/$4M or more) are also available for businesses with larger exposure.
How Much Does It Cost in Florida?
Florida businesses typically pay:
- $500 to $1,500 per year ($42–$125/month) for a $1 M⁄$2 M GLI policy
- Median rates hover around $42–$49/month (~$500/year)
Costs vary widely depending on:
- Industry and inherent risk
- Business size, revenue, and employee count
- Location (coastal vs. inland; urban vs. rural)
- Claims history and underwriting profile
- Coverage limits, deductibles, and optional endorsements
Real-World Premium Examples
- Solo consultants, photographers, real estate agents:
$25–30/month ($300–400/year) for basic GLI
- Contractors, restauranteurs, landscapers:
Higher risk profiles lead to $75–108/month ($900–1,300/year)
Florida-specific examples:
“Contracts in FL for remodeling come quotes of $117–138/month for $1M GLI.”
“I pay around $900/year for $1M coverage as a Georgetown landscaper.”
Who Should Carry GLI?
Any Florida business that:
- Interacts with customers or works onsite at client locations
- Provides services or products to the public
- Hosts or attends events
- Operates retail, food service, professional practice, contracting, or hospitality
Even home-based businesses can benefit, as homeowner policies typically exclude business liability.
How GLI Saves You Money
- Avoid out-of-pocket lawsuits that could bankrupt your business
- Legal defense coverage even if you’re not at fault
- Bundling opportunities: Combine GLI with commercial property or business interruption in a BOP to reduce premiums
- Contract compliance: Many clients and landlords require proof of liability insurance
- $500 to $1,500 per year ($42–$125/month) for a $1 M⁄$2 M GLI policy
- Median rates hover around $42–$49/month (~$500/year)
How FLB Insurance Makes GLI Easy
1. Free risk assessment tailored to your industry and exposure
2. Custom quote shopping across multiple top-tier Florida licensed carriers
3. Flexible policy design: Choose limits and endorsements that match your needs
4. Claims & renewal advocacy: We support you from first quote through claim resolution and annual review
FAQs
Can I reduce my cost by bundling?
Yes—bundling GLI with other coverages like commercial property or business income in a BOP can lower overall premiums by up to 10%.
Are GLI limits negotiable?
Yes. Standard is $1M/$2M; higher-coverage is available for higher-risk or client required situations. Depending on exposure, $2M+ is common.
How often should I review my policy?
Annually—or whenever your operations, revenue, or exposure changes. If you add employees, increase business size, or support new contracts, it’s time to revisit coverage.
Let’s Build a Safer Future for Your Business
Call to get general liability coverage that fits your Florida business needs—fast and affordable.
