Florida General Liability Insurance

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.

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.

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 --------->

There's no single Florida law that requires every business to carry general liability, but several licenses do. State-licensed construction contractors must carry public liability and property damage insurance (Rule 61G4-15.003, Florida Administrative Code), and licensed electrical contractors have their own minimums (Rule 61G6-5.008, Florida Administrative Code).

For most other businesses, the requirement comes from contracts: landlords, lenders, general contractors and customers often require general liability with specific limits before you start work or sign a lease.

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.