FL General Liability Insurance From $400/yr

Protect your Florida business from lawsuits, property damage, and injury claims. Policies start at $400/year with same-day certificates of insurance.

Frequently Asked Questions

What does general liability insurance cover?

General liability insurance covers third-party bodily injury, property damage, and personal/advertising injury claims against your business. This includes customer slip-and-fall accidents, damage you cause to a client's property, copyright infringement, and libel/slander claims. It also covers your legal defense costs, settlements, and court judgments up to your policy limits.

How much does general liability insurance cost?

General liability insurance typically costs between $400-$1,500 per year for small businesses, with most paying around $500-$800 annually. Your actual cost depends on your industry, revenue, number of employees, location, and coverage limits. Low-risk businesses like consultants pay less, while high-risk industries like contractors pay more. We shop 40+ carriers to find you the best rate.

Does general liability insurance cover employee injuries?

No, general liability does not cover employee injuries. You need Workers Compensation insurance for employee injuries and occupational diseases. General liability only covers third-party bodily injury and property damage—injuries to customers, clients, or visitors to your business.

Is general liability insurance required by law in Florida?

General liability insurance is not legally required in Florida for most businesses. However, it's often required by commercial landlords (in your lease agreement), clients (before signing contracts), and lenders (for business loans). Even if not required, it's essential protection—a single lawsuit could bankrupt an uninsured business. Many industries also require it for licensing or permits.

What is a certificate of liability insurance and why do I need one?

A certificate of insurance (COI) is a one-page document that proves you have general liability coverage. Clients, landlords, and event venues frequently require a COI before doing business with you. It shows your coverage limits, policy dates, and insurer information. We provide certificates instantly at no charge—you can request as many as you need for different clients or projects.

Get a free quote or call (904) 900-5063 — Atesa Risk Advisors, independent Florida insurance brokerage.