General Liability Insurance
General liability insurance is one of the most essential policies a business can carry. It helps protect your company from claims involving third-party injuries, property damage, and advertising liability—common risks faced by businesses of all sizes in both Florida and Virginia.
Coverage That Keeps You Moving Forward
Everyday operations come with unpredictable situations—slip-and-fall incidents, property damage at a job site, or even a social media post that sparks a lawsuit. General liability insurance helps cover the costs so you can stay focused on running your business. At Pelican Shield Insurance Group, we help business owners in Florida and Virginia understand and select the appropriate liability coverage for their operations and contractual obligations.
Whether you’re required to show proof of insurance for a commercial lease in Virginia or need protection from injury claims on a construction site in Florida, general liability coverage is a reliable first line of defense.
Why General Liability Insurance is Essential
Without general liability coverage, a single claim could drain your finances or shut your business down. This insurance provides peace of mind for everyday risks.
Handle Injury Claims
If a customer or visitor is injured on your property or job site, liability insurance can help cover medical costs and legal expenses.
Protect Against Property Damage
Covers accidental damage your business may cause to another person’s property, whether on-site or off.
Meet Contract & Lease Requirements
Many landlords and clients in Florida and Virginia require a certificate of insurance before doing business with you.
What Can General Liability Insurance Cover?
This policy provides broad protection against many common risks faced by business owners and contractors alike.
Third-Party Bodily Injury
Helps cover medical bills, settlements, and legal fees if someone is injured due to your business operations.
Third-Party Property Damage
Pays for repairs or replacement costs if you accidentally damage a client’s or landlord’s property.
Legal Defense Costs
Covers the cost of defending your business in court, even if the lawsuit is groundless.
Products & Completed Operations
May offer coverage for bodily injury or property damage resulting from products you sell or completed work.
Personal & Advertising Injury
Covers certain lawsuits related to libel, slander, copyright infringement, or misleading advertising.
General Liability Insurance FAQs
Is general liability insurance required in Florida or Virginia?
It’s not required by law in most cases, but it is commonly required by landlords, lenders, and clients. Many businesses in Florida construction or Virginia retail environments are contractually obligated to carry it to secure leases or jobs.
What’s the difference between general liability and professional liability?
General liability covers physical risks like bodily injury and property damage, while professional liability (E&O) addresses financial losses from errors in services or advice. Some businesses may need both, especially those in consulting or technical fields.
How much general liability coverage do I need for my business?
Coverage needs vary depending on your industry, customer interaction, and location. A small contractor in Sarasota might carry $1 million per occurrence, while a retail business in Richmond might opt for a higher aggregate limit based on foot traffic and lease terms.
What’s typically not covered under general liability insurance?
This policy doesn’t cover employee injuries (that’s workers’ comp), auto accidents (covered under commercial auto), or damage to your own property. It also excludes professional errors, which would require E&O insurance.
Does general liability insurance cover subcontractors?
Usually not. In Florida and Virginia, many policies require subcontractors to carry their own general liability insurance. You may need to request certificates of insurance to maintain coverage and avoid liability gaps.
