How Much Florida General Liability Insurance Coverage Does My Business Need?

The Massey Clark Fisher Team | 04/02/2012

Tags: community • home insurance • homeowners insurance • insurance • local • safety tips • seasonal • tips

Having Florida general liability insurance in place may help protect the assets of your business from the financial costs associated with lawsuits claiming compensation for personal injury or property damage. This type of insurance protection is essential in our increasingly litigious culture and the coverage a business needs typically depends mainly on two factors: the level of risk that is associated with your business, and the location of your business.

Some types of business operation have a greater exposure to general liability risk than others; for example, a building contractor with multiple sites under construction is more likely to be near the high end of the risk scale than the owner of a small country convenience store. A business that has a high perceived risk of general liability clearly needs a higher level of insurance coverage.

The place where your business operates also influences the level of general liability coverage that is needed. Businesses operating in regions that have a history of high damages awards for personal injury may need a higher level of general liability coverage than businesses in other areas.

To ensure that you carry adequate insurance coverage for general liability it’s important to consult a local insurance professional. Call us to discuss your insurance needs and we will work with you to find the most appropriate Florida general liability insurance policy and level of coverage for your business.


Disclaimer: The above description provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.

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