Comprehensive protection that keeps up with your industry.
General liability insurance with your business in mind.
No matter the size and nature of your business, there are always uncertainties. We’ll work with you to determine your business risks and we’ll put together an insurance package that makes sense for your business.
Protection against the risk of damages.
When you look around your business, it’s obvious that you need to protect against damage to your buildings, equipment, and staff. Less obvious–but no less important–is the risk of damage to other people and businesses, which could leave you paying out large sums if you are held liable.
What general liability insurance does and does not cover.
General liability insurance mainly covers bodily injury to people outside of your business and physical damage to their property. A few exceptions to this principle include data loss and reputation damage (for example, if one of your business’ staff members defames a client). It’s important to note that general liability coverage doesn’t apply to cases where you are sued for giving inadequate professional advice. Errors & omissions insurance (E&O) can help to protect your business from that specific type of risk.
When is general liability insurance required?
Your business needs general liability insurance if you ever meet clients (at your business or theirs), or have any physical access to their equipment. Additionally, general liability insurance may be a requirement before some businesses will sign a contract with you.
General liability insurance is a common necessity for most businesses. We can help you to determine a policy that works for your unique business.
General Liability Insurance FAQs
What does general liability insurance cover, and what does it cost?
General liability covers third-party bodily injury, property damage, and personal and advertising injury — for example, a customer injured at your location or damage your work causes to someone else’s property — including legal defense costs. Cost depends on your industry, revenue, payroll, and location; many small businesses pay from a few hundred to a few thousand dollars a year. It’s the coverage most landlords, clients, and contracts require first.
What insurance does a small business need in Florida?
Most Florida small businesses start with four coverages: general liability (injuries and property damage to others), commercial property (your building, equipment, and inventory), workers’ compensation if you have employees, and commercial auto for business vehicles. Depending on what you do, professional liability (errors & omissions), cyber liability, and a commercial umbrella policy round out the protection. Many client contracts and commercial leases require proof of general liability before work can start — Smart Choice Partners can review what your contracts require and build the package around it.
What is a Business Owner’s Policy (BOP)?
A Business Owner’s Policy bundles general liability and commercial property insurance — usually with business interruption coverage included — into a single policy, typically at a lower cost than buying each separately. It’s designed for small and mid-sized businesses like retailers, restaurants, offices, and contractors. A BOP doesn’t include workers’ compensation, professional liability, or commercial auto; those are added alongside it based on what your business needs.
What is a certificate of insurance, and how do I get one?
A certificate of insurance (COI) is a one-page document that proves your business carries active insurance coverage — landlords, clients, and general contractors routinely require one before you can start work or sign a lease. Your agency issues it, so Smart Choice Partners clients can request a certificate through our Client Center or by phone, and it’s typically turned around quickly — often the same business day. If a contract asks for additional insured status or a waiver of subrogation, tell us up front so the certificate is issued correctly the first time.
Get Started Today
As an independent agency, we are here to help you find the right General Liability Insurance coverage.
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General Liability Insurance Quote Request
As an independent agency, we are here to help you find the right coverage.
Get a Quote
It only takes a minute to get started.
- Fill out the form, we’ll be in touch.
- Review options with an agent.
- Get the coverage you need.
