General Liability Insurance
General Liability Insurance Information
As a full-service, independent insurance agency, Laurenza Insurance strives to offer only the best in personalized insurance services to all central Florida residents. If you’re a resident of Casselberry, greater Seminole County or the surrounding region, then we’re here to make your search for quality benefits simple, efficient and affordable.
Florida General Liability Insurance
All business owners in Florida require a strong commercial insurance portfolio in order to support and sustain their operations. At the forefront of your critical benefits should be commercial general liability coverage, which covers you in the event of challenges by third parties who allege that you caused them harm. We’ll help you get the coverage that will be of prime advantage to you.
Call us at (407) 261-2363 or request your free general liability insurance quote now!
Common General Liability Insurance Questions
What does general liability insurance cover?
A liability is something for which you are responsible, and in your business there are countless liabilities that will exist daily as you work to serve your customers. Still, you can’t avoid the fact that at times, you might make mistakes that harm others.
However unintentional these mistakes might have been, you still have to take responsibility for them; but, if you have to compensate others as a result, you run the risk of putting your business in a financial bind. General liability insurance will provide financial assistance to you despite these challenges, and enable you to move on from these challenges with as small a financial loss as possible.
Who needs general liability insurance?
No business is without operating liabilities, regardless of its size or scope, and each stands to be negatively impacted when those liabilities come in the form of third-party losses.
General liability insurance is the most basic and essential form of liability benefits available across businesses and industries. Though foundational, it can be tailored and augmented by further coverage in order to maximize the protection the business receives.
How much general liability insurance do I need?
Your general liability plan will contain a number of essential benefits, including coverage for:
• Bodily Injuries: If a client trips over a broken tile in your store, falls and gets hurt, then this coverage can pay them for medical costs and other expenses or lost income.
• Property Damage: In the course of your work, you might cause property damage to another party’s belongings. This coverage can help you pay for their losses.
• Personal Injuries: Someone might allege that you committed such acts as libel, slander or copyright infringement. If you must settle with them, then you can use your liability plan.
• Products/Completed Operations Liabilities: Sometimes, the products you make or the services you provide someone might cause a client harm. For example, a coffee cup you manufacture might unexpectedly shatter and spill burning liquid on a client. If they sue you, then liability coverage can help you fight back.
Additionally, your policy can help you cover your own legal fees if a liability lawsuit goes to court. That’s a huge relief when it comes to fighting back against issues you can’t control.
Our agents will help you analyze your net worth, property asset value and other financial factors to help you determine precisely how much coverage you might need.
When is general liability insurance required?
General liability is frequently required if you wish to maintain your business licensing. However, regardless of requirements, you should consider this coverage one of the core components of benefits that you need to include in your overall commercial insurance portfolio.
How much does general liability insurance cost?
We are committed to working with you to optimize your general liability insurance’s costs while still providing you with expansive protection. Our network of carriers offers competitively priced plans that will never skimp on benefits, and if you qualify for a business owners policy (BOP), then you can receive your coverage within that package.