What does commercial general liability insurance cover?

A CGL policy covers bodily injury and property damage claims arising from your business premises and operations, products and completed operations liability, and personal and advertising injury. It is the foundational liability coverage for virtually every Florida business.

How much general liability insurance does my Florida business need?

Most Florida businesses carry $1 million per occurrence and $2 million aggregate. However, higher-risk operations — contractors, retail, restaurants, and property owners in Tampa and Sarasota — often benefit from higher limits or an excess umbrella layer on top of the GL policy.

Do I need general liability insurance if I rent my commercial space?

Yes. As a tenant, you are responsible for liability arising from your operations within the space, and most Florida commercial leases require tenants to carry a minimum of $1 million in general liability coverage and name the landlord as an additional insured.

General Liability — Commercial Lines

Liability coverage built for Florida businesses.

Commercial general liability insurance protects your business against bodily injury, property damage, and personal injury claims arising from your premises, operations, and products. In Florida — one of the most litigious business environments in the country — adequate GL coverage isn't optional.

Schedule a Call

Coverage Components

What a CGL policy actually covers.

Premises & Operations

On-Site Liability

Covers bodily injury or property damage that occurs on your business premises or results from your ongoing operations. A customer slips on a wet floor. A contractor damages a neighboring property. These are premises and operations claims — the core of any CGL policy.

Products & Completed Operations

After the Work is Done

For businesses that manufacture, sell, or install products — or that complete construction or renovation work — products and completed operations coverage protects against claims that arise after the product is sold or the job is finished.

Personal & Advertising Injury

Non-Physical Liability

Libel, slander, copyright infringement, and false advertising claims are covered under the personal and advertising injury section of a CGL policy. As businesses increasingly operate online, this coverage has become increasingly relevant.

Medical Payments

No-Fault Medical

Medical payments coverage pays for minor injuries to visitors or customers — regardless of fault — helping resolve small claims before they become lawsuits. A critical component for retail businesses, offices, and commercial properties with public access.

Industries We Serve

From retail to professional services, we place GL for all of it.

Retail & Restaurant

High-foot-traffic businesses with significant premises liability exposure throughout Tampa Bay and Sarasota.

Contractors

General contractors, specialty trades, and subcontractors operating in Florida's active construction market.

Real Estate

Property owners, landlords, and real estate investors with liability exposure from owned premises.

Professional Services

Offices, clinics, and service businesses throughout the Gulf Coast who need premises and operations protection.

Florida Context

Why GL limits matter more in Florida than anywhere else.

Florida consistently ranks among the most litigious states for business liability. Tampa, Clearwater, and Sarasota jury pools regularly deliver substantial verdicts in personal injury cases — verdicts that can exceed standard $1M/$2M CGL limits in serious cases.

We review your operations, your premises exposure, and the realistic severity of claims in your industry before recommending coverage limits — rather than defaulting to minimum statutory requirements.

Standard Limits

→ $1M per occurrence / $2M aggregate
→ $1M products & completed operations
→ $1M personal & advertising injury
→ $100K fire damage liability
→ $5K–$10K medical payments
→ Higher limits available — ask us