The Hartford is the best general liability insurance provider in Florida, delivering a balance of affordable coverage and quality service. NEXT and Nationwide also perform strongly as alternatives, both with good customer service.
General Liability Insurance in Florida
The Hartford tops our rankings for general liability insurance in Florida, scoring 4.6 out of 5.
Explore low-cost general liability insurance in Florida below.
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Updated: September 15, 2025
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Key Takeaways
The Hartford, NEXT and Nationwide are Florida's leading general liability insurance providers, offering comprehensive coverage options for businesses.
Business owners in Florida need to consider their company size, industry requirements, desired coverage limits and available budget when selecting coverage.
Gathering multiple quotes, assessing provider financial strength and verifying state licensing helps you find a suitable provider.
Best General Liability Insurance Companies in Florida
| The Hartford | 4.60 | $89 |
| NEXT | 4.55 | $112 |
| Nationwide | 4.51 | $105 |
| Simply Business | 4.46 | $104 |
| Coverdash | 4.36 | $112 |
| Thimble | 4.35 | $116 |
| biBerk | 4.28 | $123 |
| Progressive Commercial | 4.25 | $109 |
| Chubb | 4.25 | $129 |
| Hiscox | 4.17 | $123 |
How Did We Determine These Rates?
These rates are estimates based on MoneyGeek's analysis of small businesses with two employees across 79 major industries. Actual rates vary based on your specific business location, industry risk factors, claims history, coverage limits and individual insurer underwriting criteria. Contact insurers directly for personalized quotes.
LEARN MORE ABOUT BUSINESS INSURANCE
General liability coverage protects against third-party claims, but Florida businesses often need additional insurance types for complete protection. Explore these related guides:
Best Florida Small Business Insurance Reviews
We analyzed Florida's leading general liability insurance providers to show small business owners which companies offer the strongest coverage options and competitive rates.
The Hartford
Best Overall Provider
MoneyGeek Rating
4.6/ 5
4.5/5Affordability
4.6/5Customer Experience
4.7/5Coverage Options
Average Monthly Premium
$89Our Survey: Claims Process
4.5/5Recommend to Others
4.5/5
NEXT
Runner-Up Best Provider
MoneyGeek Rating
4.5/ 5
4.2/5Affordability
4.7/5Customer Experience
4.8/5Coverage Options
Average Monthly Premium
$112Our Survey: Claims Process
3.9/5Recommend to Others
4.8/5
Cheapest General Liability Insurance Companies in Florida
The Hartford offers the cheapest general liability insurance in Florida, with coverage starting at $89 monthly ($1,064 annually). Small business owners seeking affordable protection can also consider Simply Business and Nationwide.
| The Hartford | $89 | $1,064 |
| Simply Business | $104 | $1,244 |
| Nationwide | $105 | $1,262 |
| Progressive Commercial | $109 | $1,302 |
| NEXT | $112 | $1,339 |
| Coverdash | $112 | $1,343 |
| Thimble | $116 | $1,390 |
| Hiscox | $123 | $1,479 |
| biBerk | $123 | $1,480 |
| Chubb | $129 | $1,544 |
How Did We Determine These Rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Your actual premium depends on where your business is located, what industry you're in, how much coverage you choose, and other factors insurers consider. Available options differ by state.
Average Cost of General Liability Insurance in Florida
General liability insurance in Florida averages $112 monthly or $1,335 annually, slightly above the national average. Your actual premium depends on several factors including industry type, business size, location, and claims history. Construction companies typically face higher rates due to increased risk, while consulting firms often pay less because of their lower-risk operations.
Average Cost of General Liability Insurance by Industry
General liability insurance costs vary dramatically by industry in Florida. Pressure washing businesses face the steepest monthly premiums at $996, while drone operators pay just $18 per month for coverage. The table below shows how rates differ across various business types.
| Accountants | $24 | $288 |
| Ad Agency | $38 | $461 |
| Automotive | $58 | $696 |
| Auto Repair | $165 | $1,983 |
| Bakery | $98 | $1,179 |
| Barber | $48 | $578 |
| Beauty Salon | $73 | $872 |
| Bounce House | $76 | $917 |
| Candle | $60 | $717 |
| Cannabis | $73 | $875 |
| Catering | $95 | $1,144 |
| Cleaning | $144 | $1,729 |
| Coffee Shop | $98 | $1,171 |
| Computer Programming | $32 | $379 |
| Computer Repair | $52 | $622 |
| Construction | $191 | $2,289 |
| Consulting | $24 | $286 |
| Contractor | $277 | $3,327 |
| Courier | $213 | $2,551 |
| Daycare | $36 | $429 |
| Dental | $23 | $281 |
| DJ | $28 | $330 |
| Dog Grooming | $69 | $828 |
| Drone | $18 | $218 |
| Ecommerce | $80 | $955 |
| Electrical | $122 | $1,467 |
| Engineering | $43 | $520 |
| Excavation | $507 | $6,078 |
| Florist | $47 | $559 |
| Food | $117 | $1,405 |
| Food Truck | $154 | $1,850 |
| Funeral Home | $66 | $788 |
| Gardening | $122 | $1,466 |
| Handyman | $266 | $3,187 |
| Home-based | $26 | $310 |
| Home-based | $50 | $598 |
| Hospitality | $71 | $851 |
| HVAC | $267 | $3,202 |
| Janitorial | $149 | $1,790 |
| Jewelry | $44 | $525 |
| Junk Removal | $177 | $2,121 |
| Lawn/Landscaping | $131 | $1,569 |
| Lawyers | $25 | $298 |
| Manufacturing | $69 | $834 |
| Marine | $30 | $366 |
| Massage | $104 | $1,251 |
| Mortgage Broker | $25 | $299 |
| Moving | $135 | $1,619 |
| Nonprofit | $39 | $468 |
| Painting | $156 | $1,877 |
| Party Rental | $86 | $1,038 |
| Personal Training | $26 | $312 |
| Pest Control | $35 | $421 |
| Pet | $61 | $732 |
| Pharmacy | $67 | $806 |
| Photography | $26 | $315 |
| Physical Therapy | $120 | $1,437 |
| Plumbing | $393 | $4,719 |
| Pressure Washing | $996 | $11,950 |
| Real Estate | $58 | $694 |
| Restaurant | $158 | $1,892 |
| Retail | $71 | $854 |
| Roofing | $422 | $5,065 |
| Security | $151 | $1,816 |
| Snack Bars | $128 | $1,533 |
| Software | $29 | $343 |
| Spa/Wellness | $116 | $1,393 |
| Speech Therapist | $34 | $408 |
| Startup | $31 | $373 |
| Tech/IT | $29 | $344 |
| Transportation | $41 | $491 |
| Travel | $23 | $272 |
| Tree Service | $141 | $1,694 |
| Trucking | $112 | $1,339 |
| Tutoring | $33 | $395 |
| Veterinary | $49 | $585 |
| Wedding Planning | $30 | $361 |
| Welding | $179 | $2,152 |
| Wholesale | $49 | $583 |
| Window Cleaning | $173 | $2,079 |
How Did We Determine These Rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Your actual premium depends on where your business is located, what industry you're in, how much coverage you choose, and other factors insurers consider. Available options differ by state.
How Much General Liability Insurance Do I Need in Florida?
Florida doesn't require most businesses to carry general liability insurance at the state level. Individual cities and counties can have their own insurance rules. Check your local government offices to understand area-specific requirements. Certain licensed trades must carry specific coverage to keep their professional licenses active:
Electricians
Florida requires licensed electricians to carry general liability insurance with minimum limits of $300,000 per occurrence and $300,000 annual aggregate. This coverage must include completed operations protection.
Electrical Sign Contractors
Electrical sign contractors in Florida must maintain $300,000 per occurrence and $300,000 annual aggregate limits. Completed operations coverage is also required.
HVAC Contractors
Florida HVAC contractors face different insurance requirements based on their license class. Class A contractors need $1,000,000 per occurrence and $2,000,000 annual aggregate, while Class B contractors require $500,000 per occurrence and $1,000,000 annual aggregate.
Fire Safety Companies
Fire safety companies operating in Florida must carry general liability insurance with minimum limits of $1,000,000 per occurrence and $2,000,000 annual aggregate. These coverage amounts are required to obtain and maintain proper registration.
General liability insurance is needed regardless of state requirements because most commercial property owners demand proof of coverage before approving lease agreements.
How to Choose the Best General Liability Insurance in Florida
Finding the right general liability insurance in Florida starts with determining your business's specific coverage needs and ensuring the premiums fit your budget.
- 1
Determine Your Coverage Needs
Research your industry's licensing requirements in Florida first. Many clients demand $1 million in coverage.
- 2
Prepare Business Information
Gather details like annual revenue, employee count, business type and location.
- 3
Compare Multiple Insurance Quotes
Request quotes from at least three different insurers.
- 4
Review Policy Terms Carefully
Focus on exclusions and coverage limits rather than just premium costs. Some policies include legal defense costs.
- 5
Verify Insurer Credentials
Check insurer and agent licenses through the state insurance department website. Review AM Best financial ratings and complaint records.
- 6
Ask About Available Discounts
Ask about savings opportunities like safety program credits, policy bundling discounts, or reduced rates for maintaining a clean claims history with your current provider.
- 7
Obtain certificate of insurance
Request your certificate immediately after buying coverage since clients and landlords often require proof of insurance. Some insurers provide instant online access while others need processing time.
How to Prevent General Liability Claims in Florida
No business owner wants to handle liability claims, but Florida entrepreneurs can prevent most issues through smart preparation and strategic planning.
Watch out for property hazards
Florida's frequent storms and high humidity create ongoing slip and fall risks for businesses. Inspect areas for standing water, debris, and weather damage. Maintain proper lighting and address any uneven surfaces.
Train your people well
Train employees to recognize hazards during the rainy season, proper lifting techniques and how to help customers safely.
Keep good records
Take note of and record all incidents, maintenance activities and safety measures with photos and written reports on the same day they occur.
Get everything in writing
Clearly define work scope, property boundaries and weather contingency plans in all business contracts and agreements.
Fix problems fast
Address customer complaints and safety concerns immediately.
General Liability Insurance in Florida: Bottom Line
Choosing general liability insurance in Florida requires matching coverage to your specific business needs and researching top providers. The Hartford, NEXT and Nationwide lead the market.
Commercial General Liability Insurance in Florida: FAQ
Our research and analysis reveal the answers to common general liability insurance questions that Sunshine State business owners ask most often.
What does general liability insurance cover for Florida businesses?
General liability insurance for Florida businesses covers customer injuries, property damage you cause to others and legal defense costs.
How much does general liability insurance cost in Florida?
Small businesses in Florida pay between $89 and $129 monthly for general liability insurance. The Hartford offers the most affordable coverage at $89 per month, while Simply Business and Nationwide cost $104 and $105, respectively.
Do Florida businesses legally need general liability insurance?
Florida does not mandate general liability insurance for most businesses, but municipalities may impose their own requirements. Licensed professionals like contractors and electricians must maintain specific coverage levels.
Which company offers the best general liability insurance in Florida?
The Hartford ranks as Florida's top general liability insurance provider, earning a 4.6 overall score with exceptional financial stability and affordable rates averaging $89 monthly.
What coverage limits should Florida businesses choose?
Florida businesses should first verify minimum coverage requirements for their industry licenses. The standard choice is $1 million per occurrence and $2 million aggregate coverage.
How can Florida businesses prevent general liability claims?
Florida businesses can minimize liability claims by correcting hazards such as broken walkways or storm debris. Implement comprehensive employee safety training.
Can Florida businesses get discounts on general liability insurance?
Yes, Florida businesses can secure discounts for bundling general liability with property or other commercial coverages. Businesses may also qualify for savings by implementing workplace safety programs.
How quickly can Florida businesses get general liability coverage?
Florida businesses can obtain general liability coverage rapidly through digital platforms.
What should Florida businesses do when filing a general liability claim?
Florida businesses must notify their insurance carrier immediately after any incident. Document everything thoroughly.
How does general liability differ from professional liability coverage?
General liability insurance protects Florida businesses from third-party bodily injuries and property damage during operations, such as customer falls or accidental damage to client property. Professional liability covers errors in services you provide that cause financial harm to clients.
How We Scored the Best General Liability Insurance Companies in Florida
Florida businesses deal with specific liability challenges, including weather-related incidents and industry hazards across diverse sectors. We analyzed general liability insurers to identify companies offering solid coverage at reasonable rates for small business owners.
What We Evaluated
- Affordability (50%): Cost matters most to small business budgets in Florida. We examined rates from multiple insurers because affordable premiums determine whether businesses can access needed protection.
- Customer experience (30%): Quality service during claims separates good insurers from poor ones. We analyzed J.D. Power ratings, state complaint data, and independent agency feedback to assess how well companies treat policyholders.
- Coverage options (15%): Different businesses face different risks. We examined how insurers customize general liability policies for Florida companies across various industries, from construction to retail.
- Financial strength (5%): Low premiums mean nothing if the insurer cannot pay claims. We checked AM Best ratings and financial reports to verify each company maintains adequate reserves.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- NEXT. "NEXT: Small Business Insurance Quotes Online." Accessed September 15, 2025.
- NEXT. "Customer Reviews | NEXT." Accessed September 15, 2025.
- Trustpilot. "Next Insurance Reviews." Accessed September 15, 2025.
- Trustpilot. "The Hartford Reviews." Accessed September 15, 2025.
- The Hartford. "When Is Liability Insurance Needed?." Accessed September 15, 2025.
- The Hartford. "What Does General Liability Insurance Cover?." Accessed September 15, 2025.