General Liability
Posted: 14 September, 2023
If you are a small business owner in Florida, you need the right insurance coverage. General Liability insurance is also known as business liability and commercial general liability insurance. General Liability insurance will protect you from numerous risks your business can face every day. This insurance is important to have in the event of an unexpected accident.
What does General Liability cover?
In the state of Florida there is no law that mandates general liability insurance. However, many small business owners choose to carry general liability insurance to have extra protection. Here are some common types of accidents that can affect your business and lead to a lawsuit:
- Injuries to people who are not your employees (bodily injury).
- Damage to another person’s property (property damage).
- Court and legal fees.
- Medical payments.
- Advertising harm.
- Accusations of libel or slander (personal injury or reputational harm)
- Restaurants and food service - A slip and fall accident is a risk that restaurant owners worry about. Some businesses can also add liquor liability or employer liability for more coverage.
- Retail and ecommerce – A retail business owner can benefit from the protection a general liability provides for customer injuries. You can also include some protection for product liability coverage.
- Cleaning business – General liability can protect cleaners from financial losses if they accidentally break or damage property while on the job.
- Fitness Professionals – A personal trainer might need to be a policyholder for some professional certifications, and it can be required if they work at a gym.
Written by: Premium Emilan