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General Liability
Every business faces the risk of accidents, property damage, or lawsuits, and that’s where General Liability Insurance comes in. This essential coverage protects your company from the financial burden of third-party claims for bodily injury, property damage, or personal and advertising injury.
At Total Insurance Group, LLC, we help businesses throughout Cape Coral, Fort Myers, and all of Southwest Florida find general liability coverage that fits their operations and risk profile. Whether you’re a contractor, retailer, or service provider, many clients and landlords require proof of liability insurance before doing business, making this policy a cornerstone of your protection plan.
Your coverage can pay for medical costs, legal defense fees, and settlements if someone is injured on your property or if you accidentally damage a client’s property. It can also cover claims related to slander, libel, or advertising injury. With our expertise, we’ll tailor your policy to your industry and exposure level, ensuring you’re protected against costly claims that could disrupt your operations or reputation.
Frequently Asked Questions
Do I really need General Liability Insurance if my business is small?
Yes. Even small businesses can face lawsuits from slip-and-fall injuries, property damage, or advertising claims. General Liability Insurance protects you from costly out-of-pocket expenses that could threaten your business.
What does General Liability not cover?
It doesn’t cover employee injuries, professional errors, auto accidents, or intentional damage. You may need Workers Compensation, Professional Liability, or Commercial Auto policies for those exposures.
Is General Liability Insurance required by law in Florida?
While not legally required for most industries, many landlords, vendors, and clients require it before signing a contract. It’s considered a foundational policy for any business.