General Liability Insurance in Florida

Protection for the everyday risks of doing business.

From customer injuries to accidental property damage, we help Florida businesses build liability protection around the work they actually perform.

Independent guidance
Florida-focused expertise
Multiple market options
Responsive local support

The right questions for your operation

What type of business do you need to insure?

Choose the option that best matches your business. Each fillable questionnaire asks the underwriting questions that matter for that type of risk. Download the PDF, complete and save it, then email it to [email protected].

C

Contractors

For general contractors, subcontractors, trades, remodeling, construction, installation and service work.

H

Habitational

For apartments, condominium associations, HOAs, rental properties and other residential schedules.

P

Professional Services

For office-based professionals, consultants and service businesses that may also need E&O or cyber coverage.

R

Retail

For storefronts, ecommerce sellers and retailers with customer traffic, products, delivery or warehouse exposure.

Not sure which questionnaire fits?Use our guided GL form and a licensed MAD Insurance advisor will route your request correctly.
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Coverage for the claims businesses face

A strong foundation for your business

General liability insurance can help protect your company from common third-party claims that could otherwise disrupt operations and cash flow.

I

Bodily Injury

Helps cover eligible claims when a customer, visitor or other third party is injured because of your business operations.

P

Property Damage

Protection for covered damage your business causes to property belonging to someone else.

A

Personal & Advertising Injury

May respond to covered claims involving libel, slander, copyright infringement and certain advertising-related offenses.

O

Products & Completed Operations

Helps address covered injuries or damage arising from products sold or work completed after the job is finished.

R

Rented Premises Damage

Coverage may apply when your business causes certain damage to a building or space it rents.

M

Medical Payments

Can help pay smaller eligible medical expenses for third-party injuries, regardless of fault, subject to policy terms.

Built for the way you work

Liability protection across industries

Every business has a different mix of customers, locations, products, contracts and completed work. We help present that story clearly to the right markets.

Contractors and skilled trades
Restaurants and retailers
Professional and medical offices
Wholesalers and manufacturers
Commercial property owners
Service-based businesses

A clearer way to get covered

From conversation to coverage

1

Tell us how you operate

Share the essentials about your work, locations, people, contracts and current coverage.

2

We compare the right markets

Our licensed team reviews options and explains the differences that actually matter.

3

Choose with confidence

We help place coverage, provide documentation and stay available when your needs change.

Straight answers

Frequently asked questions

What does general liability insurance cover?
It commonly addresses covered third-party bodily injury, property damage, personal and advertising injury, and certain products or completed-operations claims.
Is general liability required in Florida?
It is not universally required for every business, but landlords, lenders, clients and contracts often require specific limits and proof of coverage.
Does it cover professional mistakes?
Usually not. Advice, design or professional-service errors generally require professional liability or errors and omissions coverage.
Can MAD Insurance issue certificates of insurance?
Yes. Once coverage is in force, our service team can help with certificates and eligible additional-insured requests based on the policy and contract.

Let’s protect the business you’re building.

Talk with a licensed MAD Insurance professional and get a commercial insurance review built around your actual operation.

Coverage descriptions are general and subject to carrier eligibility, policy terms, conditions, exclusions and availability.
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