General Liability Insurance
General Liability Insurance Information
Insurance for Businesses Across Florida
If you plan on starting a business, you will likely need general liability insurance. General liability insurance is useful for businesses across many locations and industries, as it covers against common accidents and claims that nearly any business can face.
At North FLA Agency, we will help evaluate your risk and discover how much general liability insurance you may need for your business. Our dedicated agents provide high-quality service and affordable quotes for businesses throughout Florida.
What Does A General Liability Insurance Policy Cover?
General liability insurance is one of the most common types of liability insurance because it is one of the most important. Coverage under general liability insurance falls into three main categories:
- Bodily Injury
- Property Damage
- Personal and Advertising Injury
Medical Payments And Property Damage
General liability insurance can cover medical bills someone else may face if they are injured on your business’ property. For example, say someone trips and falls in your restaurant. General liability insurance can pay for expenses such as emergency services, procedures or doctor’s visits.
It can also cover replacement and repair costs in case someone’s property is damaged due to the course of everyday business. If someone’s expensive jewelry is broken at your indoor trampoline park, for example, this insurance can help repair or replace the damages.
Personal and Advertising Injury
Personal and advertising injury coverage covers claims against the business concerning libel, slander, malicious persecution, theft of an advertising idea, copyright infringement and other incidents. This can cover legal expenses concerning these types of claims, as well.
Another part of general liability insurance helps protect the business in the event of a general liability accident. If a lawsuit is filed against your business concerning a general liability accident, this insurance can provide compensation for legal expenses — such as court fees, defense costs and settlement costs.
Additional Liability Options
General liability insurance only covers non-professional negligent accidents. To expand your coverage, you may choose to bundle it into a business owners policy (BOP). A BOP combines general liability and commercial property insurance into a policy for small businesses. Other liability insurance you may add include:
- Professional Liability
- Umbrella Liability
- Products Liability
Insure Your Business
Your business needs the right amount of insurance to protect your assets and your employees. Call North FLA Agency at (904) 551-0627 or fill out an online quote form to get started.
Common General Liability Insurance Questions
General liability insurance is a type of liability insurance policy that covers common accidents and claims. This insurance is crucial for businesses both large and small. It is especially useful for any business that deals directly with clients.
Most businesses should carry general liability insurance. In some cases, you may be required to carry this insurance to obtain certain licenses.
The cost of general liability insurance varies depending on your location, coverage limits, size of the business, deductibles and more. Fill out an online quote form to find out how much you can save on general liability insurance today.