General liability, often written as commercial general liability (CGL), is the coverage clients, landlords and general contractors ask for first. It may help pay for claims that your business caused bodily injury or property damage to someone else, along with legal defense costs, subject to the policy. Dupuy Insurance quotes general liability for businesses and contractors in Florida and Texas.
What general liability usually covers
- Bodily injury: a customer or visitor hurt at your location or by your work.
- Property damage: damage your work or operations cause to someone else’s property.
- Products and completed operations: claims that arise after a job is finished or from a product you sell.
- Personal and advertising injury: such as libel or slander claims, depending on the policy.
It doesn’t cover your own employees’ injuries (that’s workers’ compensation), your vehicles (commercial auto, Florida), or professional mistakes (professional liability).
Businesses we insure
In Florida we place general liability for a wide range of contractors and small businesses, subject to underwriting:
- Contractors and trades: general contractors, electricians, plumbers, HVAC, painters, drywall, roofers, carpenters, handymen and locksmiths.
- Outdoor and cleaning services: landscaping, pool service, pressure washing, and janitorial and cleaning companies.
- Shops and offices: retail stores, grocery stores, restaurants, beauty shops, offices, and furniture and appliance delivery.
For risks standard carriers decline, we have access to specialty and excess and surplus markets. In Texas, we quote general liability for businesses across many industries; options vary by industry and underwriting.
Certificates and contract requirements
Contracts often ask for specific limits, such as $1,000,000 per occurrence, and for the client to be named as an additional insured. Send us the requirements before you sign and we’ll quote to them and issue certificates once the policy is in place.
Why request your quote through Dupuy Insurance
- Right class of business: we describe your operations accurately so the policy fits what you do.
- Fast certificates: for clients, landlords and general contractors.
- Bundle when it fits: a business owner’s policy can combine liability and property coverage.
Call (813) 447-7534, Monday to Sunday, 7:30 AM to 7:30 PM, or request a quote online.
Common questions
Is general liability required by law?
Usually not by state law for most businesses, but clients, landlords, licensing boards and contracts commonly require it.
How much does it cost?
It depends on your type of work, revenue or payroll, location, claims history and limits. A one-person service business and a roofing contractor are rated very differently.
General liability quotes are for businesses in Florida and Texas. Coverage is subject to eligibility, underwriting and policy terms.