Florida general liability insurance covers bodily injury to third parties, property damage caused by your operations, personal and advertising injury, products and completed operations liability, and legal defense costs. It is the foundational coverage for any Florida business.

General liability insurance in Florida typically costs between $400 and $1,500 per year for small businesses, depending on your industry, revenue, number of employees, and claims history. High-risk industries such as construction or landscaping pay more. Bright Coast Insurance shops multiple carriers to find you the most competitive rate.

Florida does not mandate general liability insurance for all businesses by state law, but many clients, landlords, and licensing boards require it as a condition of doing business. Construction contractors in Florida are often required to carry GL coverage to obtain a contractor's license.

General liability covers physical injuries and property damage caused by your business operations. Professional liability (errors & omissions) covers financial losses a client suffers due to mistakes or negligence in your professional services. Many Florida businesses need both coverages.

Bright Coast Insurance can issue certificates of insurance the same business day in most cases. Clients can request certificates 24/7 through our online portal, or call/text us at (239) 323-0785 Monday through Friday, 8 AM–5 PM.