General Liability Insurance for Florida Businesses

General Liability (GL) insurance is the backbone of business protection. It covers the most common risks—like someone getting hurt on your property or damage caused by your work—so you can focus on running your business. For many Florida business owners, proof of general liability coverage isn’t just smart, it’s a requirement for leases, contracts, or licensing. At Complete Trust Insurance in Vero Beach, we help businesses of all sizes—from solo contractors to multi-location operations—secure affordable GL coverage that meets both industry and contractual requirements.

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Core Protection for Everyday Business Risks

Every business, whether it’s a retail shop on Ocean Drive or a contractor working across Indian River County, faces potential liability claims. GL insurance helps cover the costs of legal defense, settlements, and judgments so one incident doesn’t put your entire operation at risk.

What Does General Liability Cover?

Your GL policy can help protect your business in situations like:

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Bodily Injury

A customer slips and falls in your store or office

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Property Damage

An employee accidentally damages a client’s property while working offsite

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Products & Completed Operations

Your product or finished work causes injury or damage after delivery or installation

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Personal & Advertising Injury

Claims of libel, slander, or copyright infringement in your advertising

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Who Needs General Liability

The short answer: almost every business.


  • Storefronts & Restaurants – High foot traffic means more slip-and-fall exposure


  • Contractors & Trades – Property damage risk at client job sites



  • Consultants & Service Providers – Even without a physical shop, you could cause property damage while visiting clients


Even sole proprietors benefit from GL coverage—it only takes one accident or claim to create a costly legal battle.

Coverage Limits & Costs

Many small business GL policies in Florida carry limits like $1 million per occurrence and $2 million aggregate, with higher limits available. For businesses seeking even more protection, we can add a Commercial Umbrella Insurance policy to increase liability limits. GL coverage is generally affordable compared to the potential cost of an uninsured claim.

GL as Part of a Business Owners Policy

For many small businesses, general liability is packaged with property insurance in a Business Owners Policy (BOP). This can be more cost-effective and ensures your core coverages are bundled together. We’ll help you decide whether a standalone GL policy or a BOP is the better fit.

Tailored for Your Industry

Different industries face different liability exposures. For example:

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Contractors

May need Contractual Liability endorsements

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Manufacturers

Often require strong product liability coverage

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Retailers

Might need broader premises liability protection

We can also advise when additional policies—like Professional Liability or Cyber Liability—are needed, since GL doesn’t cover professional errors or data breaches.

Frequently Asked Questions About General Liability Insurance

  • Is general liability insurance required in Florida?

    Not by law, but many leases, contracts, and professional licenses require proof of GL coverage. Even when not required, it’s considered a best practice for any business.

  • How much general liability coverage should I have?

    Most small businesses start with $1M/$2M limits, but the right amount depends on your industry, contract requirements, and risk exposure. We’ll help determine what fits your situation.

  • What’s the difference between general liability and professional liability?

    General liability covers physical injuries, property damage, and certain advertising-related claims. Professional Liability covers financial loss caused by mistakes in your professional services. Many businesses carry both.

  • Does GL insurance cover my employees’ injuries?

    No. Employee injuries are covered by Workers’ Compensation, not general liability. GL protects against claims from third parties—like customers or vendors.

  • Can GL coverage be customized for my industry?

    Yes. Endorsements and policy forms can be tailored for contractors, retailers, restaurants, and other business types. We’ll make sure your policy reflects your specific risks.

Protect Your Business Today

Don’t let a single lawsuit derail years of hard work. Call Complete Trust Insurance at 772-492-8545 or request your free general liability insurance quote online.