What does commercial general liability insurance cover in Florida?

CGL covers third-party bodily injury, property damage, products liability, completed operations, personal injury (libel/slander), and advertising injury. It pays defense costs and judgments up to the policy limit. Standard limits are $1M per occurrence / $2M aggregate.

Does my Florida business need standalone CGL or a BOP?

Many small Florida businesses can use a Business Owners Policy (BOP), which packages property + CGL together. Larger or higher-risk businesses typically need a monoline CGL plus separate commercial property. We help you determine the right structure based on your business size, class, and exposures.

How do I quote Florida commercial liability insurance?

Call 941-952-7991. Have your business name, class of operation, annual revenue, payroll, and employee count ready.

General Liability. Commercial Lines

Florida commercial general liability,
tailored to your business.

Commercial general liability (CGL) covers your Florida business against third-party bodily injury, property damage, products liability, and personal/advertising injury claims. Hendrickson Insurance writes CGL for retail, professional services, restaurants, contractors, manufacturers, and other Florida commercial classes across Sarasota, Bradenton, Tampa, and the Gulf Coast.

Call 941-952-7991 Schedule a Call

CGL Coverage Components

What general liability actually covers.

Premises Liability

Slip-and-fall, parking lot injuries, common area exposures. The "someone got hurt on my property" coverage every business needs.

Products Liability

Coverage for bodily injury or property damage caused by your product after it leaves your possession. Critical for manufacturers, distributors, and retailers.

Completed Operations

Coverage for damage from your completed work after the job is done. Critical for contractors. Often excluded or sub-limited if not specifically endorsed.

Personal & Advertising Injury

Libel, slander, false arrest, copyright infringement in advertising. The "we got sued over what we said" coverage.

Florida CGL by Class

Different businesses, different structures.

Retail & Office

Standard Classes

Retail, professional offices, salons, and similar lower-risk classes typically fit into a BOP. Combining CGL and property in one package. See our BOP page.

Contractors

Construction Liability

Florida contractor CGL with completed operations endorsements, subcontractor coverage, and exclusion management. Specific class codes matter.

Higher-Risk

Specialty Markets

Restaurants with liquor liability, auto repair, manufacturing, and other higher-risk classes often need monoline CGL through specialty admitted or E&S markets.

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