General liability insurance is the bedrock of every business insurance program — the first policy any business should have and the one most landlords, lenders, and commercial clients require before you can operate. It protects your business from the everyday risk that someone gets hurt on your property, something you do damages someone’s property, or something you say exposes you to a lawsuit. Every business, in every industry, needs it.
What Does General Liability Insurance Cover?
- Bodily injury to customers, visitors, and vendors on or near your premises
- Property damage to others’ property caused by your business operations
- Products liability for harm caused by products you make or sell
- Completed operations — injuries or damage resulting from finished work
- Personal and advertising injury: libel, slander, and copyright infringement
- Medical payments to injured parties regardless of fault
- Tenants legal liability for damage to a rented commercial space
- Defense costs: attorney fees, court costs, and expert witness fees
Your Commercial Lease Probably Already Requires It
If you are leasing commercial space in Central Florida — a retail storefront, an office suite, or a warehouse — your lease almost certainly requires you to carry general liability insurance with a minimum limit (often $1M per occurrence) and name the landlord as an additional insured. Failing to maintain that coverage is a lease violation. Failing to have it when a customer trips at your entrance is far worse.
How Much General Liability Coverage Does a Business Need?
The standard GL policy provides $1 million per occurrence and $2 million aggregate — meaning one claim can go up to $1M, and total claims in a policy year can go up to $2M. For businesses with significant customer traffic, valuable neighboring properties, or client contracts with higher minimums, we often recommend adding a commercial umbrella policy on top of the GL for an additional layer of protection at a modest incremental cost.
Get General Liability Insurance in Orlando, Florida
Insure USA, Inc. is an independent agency serving Orlando and all of Florida. We compare General Liability Insurance options from multiple top-rated carriers. Call (321) 235-7377 or request a free quote online.