Florida General Liability insurance quote and information.
- What is general liability insurance?
- Is the general liability insurance cost worth it?
- What are the occurrence and claims-made options?
- Who and what does it cover?
- What is the price of General Liability insurance?
- Is General Liability insurance required in Florida?
- Which industries often carry general liability insurance?
- What liability do we have if someone gets hurt in restroom?
- I work for myself how do I get a quote?
- Can you provide insurance anywhere in the state?
- Does General Liability cover data breach exposures?
The typical Florida business insurance policy provides comprehensive liability coverage for commercial risks covering all liability exposures for all locations and causes of loss except those specifically excluded or limited either within the coverage form or by endorsement. Protection may be provided on either an occurrence type of policy or on a claims-made basis. Of course this affects the Florida General Liability insurance cost.
Is the general liability insurance cost worth it?
All commercial ventures of every type need to be liability conscious. Merely by their formation, commercial risks incur an exposure in our modern litigious society. Protection for third-party bodily injury and property damage claims may be insured under a Commercial General Liability Coverage Form which includes coverage for both premises and products-completed operations exposures. Look for Miami liability insurance, come visit is at our Miami location.
What are the occurrence and claims-made options?
The frequency and magnitude of third-party claims alleging bodily injury and property damage arising from the premises operations or products/completed operations, has the potential for financial ruin. Insurance coverage for the threat is available in an “occurrence” version and a “claims-made” version.
The differences in Florida between the two versions are in the provisions by which coverage is activated. The “occurrence” form provides coverage for injury and damage that occurs during the policy period. The “claims-made” form provides coverage if the claim is first made during the policy period.
Both the “occurrence” and the “claims-made” forms basically provide Florida liability insurance coverage for: premises/operations; products/completed operations, which can be eliminated for underwriting reasons, when covered separately or if not wanted; contractual for all business contracts, which may be limited to leases of premises, sidetrack and easement agreements, and other specific contracts; personal and advertising injury, both or one of which can be eliminated; medical payments, which can be eliminated; fire damage, legal liability, which can be eliminated; broad form property damage; host liquor liability; incidental medical malpractice; non-owned watercraft; limited worldwide liability; extension of protection to employees and, if the named insured is a partnership, to spouses of partners; bodily injury resulting from use of reasonable force by or at the direction of the insured to protect persons or property; automatic coverage for 90 days for newly acquired organizations.
Who and what does it cover?
Endorsements are available to adapt Florida or Miami liability insurance coverage to the particular needs of the insured. Notable among them are:
Coverage for injury to leased workers, recently designed as an option for increasing numbers of businesses that lease employees from labor leasing firms, which assume full responsibility for personnel administration.
“Employee” is defined in the policy to include a “leased worker,” who is subject to the same commercial coverage and exclusions as a conventional employee. The described endorsement may be attached if the named insured wants or needs coverage for claims arising from injuries sustained by leased workers.
Hired and non-owned auto liability, affording significant protection for insureds that do not own automobiles and eliminating the need for separate automobile insurance. Covers leased autos and the use of employee-owned cars in the interest of the named insured.
As a basic starting point, General Liability premium or cost is based on one of 5 things. Gross sales, area, payroll, subcontractor costs, or units. Now though this have the largest impact they are only the starting point. Endorsements, limits and exclusions also have a more indirect but prominent impact on the premium or cost. For more detailed information check out this video ———>
Is General Liability insurance required in Florida?
We are sorry, we haven’t posted an answer to this question yet. Ask us now and we will respond and post the answer in one business day.
I work for myself how do I get a quote?
The information needed for getting a quote would depend on what type of work that you do. You can insurance yourself as an individual, but you’re still looked at as a business for the insurance purposes.
Complete the online form so that we can start working on a quote for you.
Which industries often carry general liability insurance?
Industries that commonly carry general liability insurance include but are not limited to;
What liability do we have if someone gets hurt in restroom?
I cannot answer the question as to your liability or negligence in your example. That question is better suited to a lawyer.
I can, however; say that if a standard Commercial General Liability policy is in place and no other mitigating factors exist, the insurance policy would provide defense for a claim made against it, and if you were found liable or negligent it would pay the claim on your behalf.
Does General Liability cover data breach exposures?
General Liability excludes most internet exposures. The best way to to find coverage for many of the exposures that transacting business on the internet or virtually is by purchasing a Cyber Liability policy also known as Privacy or Security Liability.
Can you provide insurance anywhere in the state?
We have helped customers all across the state of Florida. Below are some of the cities we have done business in.
- St. Petersburg
- Fort Lauderdale
- Port St. Lucie
- Pembroke Pines
- Cape Coral
- Coral Springs
- Miami Gardens
- Palm Bay
- West Palm Beach
- Pompano Beach