A company's general liability insurance shields it from customer and client claims of bodily harm and property damage. The goods, services, or activities of your business could bring about claims of this nature. Without general liability insurance coverage in FL, you risk paying out your company's profits and, in the worst situation, even going out of business.

"Business liability insurance" and "commercial general liability insurance" refer to general liability insurance.

What Is Covered by General Liability Insurance?

A company's general liability insurance shields it from many potential claims, including bodily harm, property damage, copyright infringement, reputational damage, and injury to its advertising.

Bodily Injury

A common complaint is for bodily injury brought on by a company. A general liability insurance coverage would pay the injured person's medical expenses if they were a visitor to your place of business and were hurt.  An office or retail setting customer's fall could give rise to a bodily injury lawsuit.

Property damage 

Another typical liability claim is property damage. Your company can be held legally liable if someone's property is harmed while visiting your establishment. If you are visiting a customer on their property, property damage claims may cover damage to their home or other property.

Copyright infringement

Claims of copyright infringement arise when you are charged with using another person's creation in an advertisement or other form of commercial marketing without that person's consent.

Reputational harm

When a news organization is interviewing you, and you say something negative about another corporation, it could damage your reputation.

Advertising injury

If your company disparages another person, business owner, or corporation, it could cause advertising injury.

What Excludes General Liability Insurance Coverage FL?

Although general liability insurance for businesses doesn't cover everything, it does cover a lot.

It excludes coverage for business-related auto accidents, worker illnesses, injuries, property damage, errors made by professionals, claims that exceed the policy limit, and unlawful conduct committed by you or your employees.

You'll require various forms of business insurance for these liability claims, including:

Employee injuries and illnesses. 

To cover employee injuries, you need workers' compensation insurance.

Auto accidents. 

If you own the car involved in the collision, commercial auto insurance coverage will financially safeguard you. If you drive a personal or a leased vehicle for business, you are protected by commercial trucking insurance in FL.

Theft and damage to your business property. 

Your company's property or tools are not covered by general liability insurance against theft or damage. To cover these kinds of issues, you need commercial property insurance.

Professional mistakes

You are protected by an errors and omissions insurance (E&O) policy if you commit errors while working. E&O insurance is also referred to as professional liability insurance.

Intentional acts are not covered by insurance. Additionally, general liability insurance won't be of any assistance if you or your staff commit willful crimes or other wrongdoings.

Conclusion!

You should compare general liability insurance coverage in FL from various insurance providers, whether you purchase general liability insurance as a standalone policy or as a component of a BOP. That's because different insurers charge different premiums for their policies.

You can speak with an independent insurance agent or get free online rates for business insurance.