FAQ on Florida General Liability
Florida General Liability Insurance for Contractors
Florida general liability insurance protects the assets of a business when it is sued for something it did (or didn't do) to cause an injury or property damage. Florida contractors general liability insurance is designed to protect construction businesses from claims resulting from operations that result in damage to a third party. Under a Florida general liability insurance contractors policy, the carrier is also obligated to pay the legal costs of a business in a covered claim or lawsuit. Covered claims can include bodily injury, property damage, personal injury and advertising injury (damage from slander or false advertising). The insurance company also covers compensatory and general damages. Punitive damages aren't covered under Florida general liability insurance for contractors guidelines because they're considered to be punishment for intentional acts. In today's litigious society, even small mishaps can result in large lawsuits. That's why Florida general liability insurance, along with property and workers compensation insurance, are essential for most companies, even more so for contractors.
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What are the Minimum General Liability Insurance Limits for Florida General Contractors and Building Contractors?
$300,000 bodily injury
$50,000 property damage
Preferred Liability Carriers Include
$100,000 bodily injury
$25,000 property damage
Keep in mind that many property owners may require more than the minimum.