General Liability Insurance for Florida Businesses

Business Insurance for General Liability

General liability insurance is the foundation of your business insurance program. It protects your company from financial losses when someone claims your business caused bodily injury, property damage, or personal injury. Whether you run a retail shop in Boca Raton or provide services across Florida, this coverage shields you from the costs of lawsuits and claims that could otherwise threaten your business.

Why Your Business Needs This

• Customer injuries on your premises can lead to costly medical bills and legal fees
• Accidental damage to client property during operations can result in expensive replacement costs
• Advertising injury claims from copyright or slander allegations can drain your resources
• Legal defense costs alone can cripple a small business even if you win the case
• Many clients and landlords require proof of general liability before doing business with you

What It Covers

General liability insurance covers bodily injury when someone gets hurt on your property or due to your business operations. It pays for property damage if your business accidentally damages someone else's belongings. The policy includes coverage for personal and advertising injury, protecting you from claims of slander, libel, or copyright infringement. Medical payments coverage handles minor injuries without a lawsuit, and the policy covers legal defense costs regardless of fault. Products and completed operations coverage protects you after you've finished a job or sold a product.

Who Needs General Liability Insurance?

Every Florida business needs general liability insurance, but it's especially critical for businesses with physical locations, companies that work on client sites, retail stores with customer traffic, service providers who visit customer properties, and any business that manufactures or sells products. The Gordon Agency works with businesses across all industries to build comprehensive coverage that matches your specific risk profile.

How Does General Liability Work With Other Coverages?

General liability often serves as the base layer of your business insurance portfolio. It works alongside professional liability for service errors, commercial property for your physical assets, and commercial auto for vehicle-related incidents. The Gordon Agency helps you build a complete risk management program by identifying gaps and ensuring all your coverages work together seamlessly. We represent multiple carriers with strong financial ratings, allowing us to mix and match policies for maximum protection at reasonable prices.

What's Not Covered By General Liability?

General liability doesn't cover professional errors or mistakes in your services, which require professional liability insurance. It won't cover employee injuries, as those fall under workers' compensation. Damage to your own property requires commercial property insurance, and auto accidents need commercial auto coverage. Cyber incidents and data breaches require separate cyber liability policies. Understanding these gaps is why working with experienced agents at The Gordon Agency matters.