Liability Limits
Per-occurrence and aggregate limits selected for eligible bodily injury, property damage, and personal and advertising injury claims.
General Liability Insurance in Florida
Protect Your Business. Meet Contract Requirements. Keep Moving Forward.
We help Florida contractors and businesses pursue competitive General Liability options based on their actual operations—backed by clear guidance, responsive service and fast certificate assistance.
Serving eligible businesses throughout Florida · English & Spanish
Why work with our agency
Competitive options with support after the sale
- Access to multiple available insurance markets
- Guidance based on your operations and contracts
- Fast, dependable COI assistance
- Responsive bilingual service
Coverage matched to your operation
A competitive price matters. The policy details matter too.
General Liability insurance is not identical from one insurer to another. We review your business activities, project types, payroll, sales and subcontractor costs to approach appropriate available markets and pursue competitive options.
We also help identify contract requirements and important policy limitations before you make a decision, reducing preventable surprises when a customer requests a certificate or endorsement.
Businesses we commonly assist
Eligibility varies by insurer, business activities, experience, location and loss history.
What we help you review
More than a limit shown on a certificate
Policy forms, endorsements and exclusions determine how coverage may apply. We help explain the available option before coverage is bound.
Completed Operations
Important protection for eligible claims arising after covered work has been completed, subject to policy terms.
Additional Insured
Available endorsement options for eligible customers, project owners, landlords or other parties when required by contract.
Contract Wording
Review of available primary and noncontributory, waiver of subrogation and other commonly requested endorsements.
Exclusions & Limitations
Attention to trade, project, residential, height, subcontractor and other restrictions that may affect your operations.
Premium Basis & Audits
Clear discussion of estimated sales, payroll or subcontractor costs that may be reviewed during a carrier audit.
Service that keeps business moving
Fast certificate assistance for routine requests
A policy is only part of the relationship. When customers or project partners request proof of coverage, our team prioritizes routine COIs and helps identify requests that require an endorsement or insurer approval.
- Prompt handling after coverage is confirmed
- Help with certificate-holder and additional insured instructions
- Clear follow-up when special wording or policy changes are needed
A practical quote process
Start with the essentials
Our short request helps us understand your business before we gather the additional details an insurer may require.
- 01
Describe your business
Tell us what you do, where you work, your experience and the type of customers or projects you serve.
- 02
We review the risk
We organize sales, payroll, subcontractor, coverage-history and contract details for appropriate available markets.
- 03
Compare eligible options
We explain pricing, limits, important endorsements and restrictions so you can make an informed decision.
General Liability FAQ
Important answers before you choose a policy
What does General Liability insurance commonly cover?
A General Liability policy may respond to covered third-party bodily injury, property damage, and personal and advertising injury claims. The actual protection depends on the policy forms, limits, exclusions and facts of the claim.
How much General Liability coverage does my business need?
The appropriate limits depend on your operations, contracts, customers and risk tolerance. Many commercial contracts request $1 million per occurrence and $2 million aggregate, but requirements vary and higher limits or an umbrella may be needed.
Can you add an additional insured to my policy?
We can review the request and available endorsement options. Additional insured status is provided only when supported by the policy and applicable endorsement, and it may require insurer approval or an additional premium.
Can you provide Primary and Noncontributory or Waiver of Subrogation wording?
We can review these contract requirements and determine whether appropriate endorsements are available. Availability, wording and cost vary by insurer and policy.
Will my General Liability policy be audited?
Many commercial General Liability policies are auditable. The insurer may compare estimated sales, payroll or subcontractor costs with actual figures after the policy period and adjust the premium. We help explain the basis used, but the audit is completed by the insurer.
Does General Liability cover every type of work my business performs?
No. Eligibility and coverage depend on the operations disclosed and the policy terms. Certain trades, project types, heights, residential work, subcontracted work or other exposures may be limited or excluded, so it is important to describe all operations accurately.
How quickly can you issue a certificate of insurance?
Our team prioritizes routine certificate requests after coverage is confirmed. Requests involving special wording, endorsements or insurer approval may require additional time.
Do you offer General Liability insurance throughout Florida?
Yes. We assist eligible contractors and businesses throughout Florida from our West Palm Beach office, with service available in English and Spanish.
General Liability quote