General liability insurance (GL) is the foundation of any business insurance program. It protects your business when a third party — a customer, vendor, or passerby — is injured or their property is damaged due to your business operations.

Bodily injury to third parties
Property damage caused by your operations
Personal and advertising injury
Products and completed operations
Medical payments to injured parties
Legal defense costs

Florida General Liability by Trade

Florida does not set a single statewide GL minimum for all businesses, but contractor licensing boards, county permit offices, and commercial clients each impose their own requirements. The table below shows the most common GL minimums Florida contractors encounter — use it as a starting point, then verify with your specific county or licensing board.

Requirements are subject to change. Always verify current minimums with the Florida DBPR, your county building department, or your general contractor before starting a project.

Why Do you need General Liability Insurance ?

It’s both practical and financially wise to protect your business. Just one claim involving injury or property damage can seriously impact a small company. General liability insurance helps safeguard you by covering many costs tied to accidents affecting customers, including medical expenses and damages. It can also assist with legal costs and settlements if your business faces a lawsuit, helping you stay focused on what matters most—running and growing your business.

Construction
General Contracting
Roofing‍ ‍
Plumbing
Electrician
HVAC
Carpentry
Masonry
Concrete
Drywall
Painting
Flooring
Glazier

Who we Serve

Pipefitters & Steamfitters
Handyman
Federal Government Contractors
Manufacturing
Restaurant / Culinary
Media and entertainment
Professional Services/Lawyer/Doctor
Cleaning Service
Landscaping & Lawn
Medical & Wellness Clinics
Aviation
Arborists
Retail services

What does General Liability Insurance Cover?

If you’re looking to safeguard your business against unexpected claims, investing in general liability insurance is a practical decision. A general liability policy can help cover expenses associated with:

Property Damage

You accidentally damage a customers property

Legal Fees & Defense Costs

Defend your business against lawsuits with attorney counsel

Reputational Harm

An employee trash-talks a client online and the client sues you

Slip & Fall Injury

Non-employee injury at your business location

Medical Payments

Non-employee medical injury claim made on your business

Advertising Claim

Improper image use in your advertising

Umbrella - Excess Liability

Excess umbrella liability insurance provides extra coverage beyond standard liability policies, helping protect against large or unexpected claims that exceed basic limits.

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* Any cost, premium, or coverage stated before an official customer quote are estimates and an approximation and are not guaranteed. Actual cost, premium, and coverage are subject to the unique considerations of each individual risk. Customer quotes are based on the information provided to GL Brokers, and are subject to required underwriting and rating factors. Until an official customer quote is provided, all communication on this website or advertisement is provided as an example for informational purposes only, and is neither an offer nor a guarantee of available premium or coverage. Any coverage afforded by the products described are subject to and governed by the terms and conditions of each policy issued. This information may not be used to modify any policy that might be issued. Any information provided to assist in understanding the coverage we offer does not modify any insurance policy, nor does it imply that any claim is covered. Coverage is not available in all states or classes of business.