General liability insurance is slightly different in Florida than it is in any other states because the Florida legislature has control of the laws governing general liability insurance there. General liability insurance is designed to protect the owner and employees of a small business from the common types of litigation that can occur in the normal course of business.

A small business is defined by Florida law and federal law as an operation that employs 500 people or less. A business in Florida is not required to have general liability insurance according to Florida law. The option to have this type of protection is left to the discretion of the business owner or owners. Get general liability quotes at www.MoranFinancialSolutions.com or call 800-554-9142!

The amount of general liability insurance that a business needs depends on the type of business and the number of employees. Usually a $1 million policy should be sufficient to protect your business provided that your policy pays that amount for each instance of need.

The five basic protections that general liability insurance provides you with are protection against the costs of legal defense and judgments against your business, protection against litigation concerning advertising, protection from personal injuries to other people and employees, property damage, and bodily injury.


If your business or one of your employees acting on behalf of your business becomes involved in any type of legal action, then general liability insurance will pay for the costs of judgments against your company or your employee. The insurance will also pay for court costs and legal fees. Most general liability insurance does not cover punitive damages but you can get riders that cover punitive damages.

The most innocent ad that you distribute may offend a certain small group of people inadvertently to the extent that they sue you in a civil liberties or discrimination litigation. Your competitors may sue you if one of your ads makes claims about the other company that can be proven to be false or misleading. Florida general liability insurance protects your business from this type of legal action.

Personal injury is often mistaken as injury to another person’s body. Personal injury involves slander, libel, wrongful eviction, arrest, and any action you take that could have a detrimental effect on another person’s reputation, freedom, civil rights, or ability to find employment.

If you or one of your employees damages the property of another individual Florida general liability insurance protects you up to the policy amount for damage caused to the property of another person. Accidents that cause damage to another person’s property are common and unintended but unavoidable.

Bodily injury involves damage to a person that requires the attention of a physician or hospitalization. Florida general liability insurance protects you by paying for the costs of treatment for your employees or other people that visit your business in the event that they sustain an injury. The protection is absolutely necessary considering the ever increasing costs of medical care.

Florida general liability insurance is not a requirement for a business but it is a necessity to protect your business from loss though the majority of litigation that can be involved in doing business.

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