Our research team compiled answers to common questions about Florida general liability insurance to help you secure the best business insurance for your needs. These insights come from MoneyGeek's detailed analysis of coverage options, costs and requirements:
Best General Liability Insurance in Florida
The Hartford leads Florida general liability insurance as both the top choice and most affordable option at $89 per month.
Get matched to the best and cheapest general liability insurer for you below.
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Updated: November 19, 2025
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Commercial General Liability Insurance in Florida: Fast Answers
Which company offers the best general liability insurance in Florida?
The Hartford is the best general liability insurance company in Florida with a 4.60 overall score out of 5. It offers affordable coverage at $89 per month along with reliable claims handling. NEXT ranks second with a 4.55 score, providing excellent digital tools and customer support for $112 per month.
Who offers the cheapest general liability insurance in Florida?
The cheapest general liability insurance companies in Florida are:
- The Hartford: $89 per month
- Simply Business: $104 per month
- Nationwide: $105 per month
- Progressive: $109 per month
- NEXT: $112 per month
Do Florida businesses legally need general liability insurance?
Florida doesn't legally require most businesses to carry general liability insurance at the state level. However, certain licensed professionals like contractors and electricians must maintain specific coverage amounts to keep their licenses active. Local municipalities may also impose their own insurance requirements. Even when not legally mandated, most landlords and clients demand proof of coverage before signing contracts.
How much does general liability insurance cost in Florida?
General liability insurance costs between $18 and $996 per month for small Florida businesses with two employees. The drone industry has the lowest rates at $18 per month, while pressure washing businesses see the highest at $996 per month. Your actual premium depends on your industry risk level, business location, coverage limits and employee count.
Note: These rates are estimates based on MoneyGeek’s survey methodology and may differ from your actual premium. For accurate pricing, request a personalized quote directly from the insurer.
Best General Liability Insurance Companies in Florida
The Hartford is our top choice for general liability insurance in Florida, offering a great mix of affordability and customer service for small business owners. NEXT also performs well with outstanding customer service and strong coverage options. Nationwide rounds out our recommendations with solid affordability and reliable financial strength.
| The Hartford | 4.60 | $89 |
| NEXT Insurance | 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 reflect MoneyGeek's analysis of small businesses with two employees across 79 major industries. Actual rates vary based on your business location, industry risk factors, claims history, coverage limits and individual insurer underwriting criteria. Contact insurers directly for personalized quotes.
Get Matched to the Best Cheap Florida General Liability Insurer
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LEARN MORE ABOUT THE BEST BUSINESS INSURANCE IN FLORIDA
General liability insurance covers customer injuries and property damage for your Florida business, but it won't protect against every risk. Explore these related guides for comprehensive coverage in the Sunshine State:
Best Florida General Liability Insurance Reviews
Finding the right general liability insurance provider in Florida means looking beyond just affordable rates. Our research reveals which business insurers offer the best combination of coverage and service in the state.
The Hartford
Best Florida General Liability Insurer
MoneyGeek Rating
4.6/ 5
4.5/5Affordability
4.6/5Customer Experience
4.7/5Coverage Points
Average Monthly General Liability Premium
$89These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies.Our Survey: Claims Process
4.5/5Our Survey: Likely to Be Recommended to Others
4.5/5
NEXT
Best Florida Commercial General Liability Customer Experience
MoneyGeek Rating
4.5/ 5
4.2/5Affordability
4.7/5Customer Experience
4.8/5Coverage Points
Average Monthly General Liability Premium
$112These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies.Our Survey: Claims Process
3.9/5Our Survey: Likely to Be Recommended to Others
4.8/5
Cheapest General Liability Insurance Companies in Florida
The Hartford provides the cheapest general liability insurance in Florida at $89 per month, saving businesses $22 or 20% compared to the state average. Simply Business and Nationwide also offer affordable coverage options for Florida businesses.
| The Hartford | $89 | $1,064 |
| Simply Business | $104 | $1,244 |
| Nationwide | $105 | $1,262 |
| Progressive Commercial | $109 | $1,302 |
| NEXT Insurance | $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 reflect small businesses with two employees across 79 major industries and focus solely on general liability policies. Your 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.
Cheapest General Liability Insurance in Florida by Industry
Based on MoneyGeek's research, these five providers offer the cheapest general liability insurance across Florida industries:
- The Hartford: Ranks as the most affordable provider in 18 industries, leading in diverse sectors like cannabis, electrical work, trucking and pest control.
- Simply Business: Offers the cheapest coverage in 14 industries, excelling with professional services like accountants, lawyers and consultants.
- Thimble: Ties for third place with affordable rates in 12 industries, performing strongest in tech sectors like software, computer programming and creative businesses.
- biBerk: Also covers 12 industries with competitive pricing, focusing on service trades including contractors, veterinary practices and beauty salons.
- Nationwide: Provides cheap coverage across 10 industries, showing particular strength in construction, manufacturing and restaurant businesses.
Data filtered by:
Select
| Accountants | Simply Business | $16 | $187 |
| Ad Agency | Thimble | $108 | $1,292 |
| Automotive | Coverdash | $120 | $1,435 |
| Auto Repair | Nationwide | $87 | $1,047 |
| Beauty Salon | biBERK | $88 | $1,056 |
| Bakery | biBERK | $86 | $1,027 |
| Barber | biBERK | $88 | $1,056 |
| Cleaning | Thimble | $91 | $1,088 |
| Bounce House | Hiscox | $85 | $1,021 |
| Candle | Simply Business | $104 | $1,251 |
| Cannabis | The Hartford | $57 | $686 |
| Catering | Chubb | $83 | $1,001 |
| Consulting | Simply Business | $16 | $187 |
| Coffee Shop | Simply Business | $91 | $1,095 |
| Computer Programming | Thimble | $106 | $1,276 |
| Computer Repair | Nationwide | $86 | $1,031 |
| Construction | Nationwide | $84 | $1,010 |
| Dental | NEXT Insurance | $14 | $163 |
| Contractor | biBERK | $221 | $2,649 |
| Courier | The Hartford | $181 | $2,166 |
| Daycare | The Hartford | $28 | $333 |
| DJ | Thimble | $91 | $1,088 |
| Drone | The Hartford | $14 | $166 |
| Dog Grooming | biBERK | $88 | $1,054 |
| Electrical | The Hartford | $92 | $1,102 |
| Ecommerce | Chubb | $85 | $1,016 |
| Florist | Simply Business | $33 | $400 |
| Engineering | biBERK | $18 | $218 |
| Excavation | biBERK | $401 | $4,814 |
| Food | Simply Business | $84 | $1,002 |
| Food Truck | Simply Business | $84 | $1,002 |
| Handyman | biBERK | $189 | $2,267 |
| Funeral Home | biBERK | $87 | $1,047 |
| Gardening | Simply Business | $88 | $1,061 |
| Home-based | The Hartford | $19 | $227 |
| Home-based | NEXT Insurance | $50 | $598 |
| Janitorial | Nationwide | $106 | $1,271 |
| Hospitality | Chubb | $88 | $1,057 |
| HVAC | Thimble | $117 | $1,398 |
| Jewelry | Thimble | $177 | $2,128 |
| Junk Removal | The Hartford | $137 | $1,646 |
| Manufacturing | Nationwide | $22 | $261 |
| Lawn/Landscaping | Simply Business | $88 | $1,061 |
| Lawyers | Simply Business | $16 | $187 |
| Massage | Simply Business | $86 | $1,037 |
| Marine | The Hartford | $25 | $305 |
| Nonprofit | biBERK | $29 | $342 |
| Mortgage Broker | NEXT Insurance | $17 | $205 |
| Moving | Nationwide | $93 | $1,119 |
| Painting | The Hartford | $120 | $1,437 |
| Party Rental | Progressive Commercial | $84 | $1,004 |
| Personal Training | The Hartford | $20 | $242 |
| Pest Control | The Hartford | $27 | $327 |
| Pharmacy | Chubb | $84 | $1,002 |
| Pet | Thimble | $39 | $466 |
| Photography | NEXT Insurance | $14 | $174 |
| Physical Therapy | Thimble | $927 | $11,122 |
| Plumbing | Simply Business | $294 | $3,522 |
| Retail | Chubb | $85 | $1,022 |
| Pressure Washing | The Hartford | $926 | $11,110 |
| Real Estate | Nationwide | $130 | $1,564 |
| Restaurant | Nationwide | $90 | $1,077 |
| Roofing | Thimble | $224 | $2,688 |
| Security | The Hartford | $119 | $1,432 |
| Spa/Wellness | The Hartford | $89 | $1,068 |
| Snack Bars | Coverdash | $85 | $1,019 |
| Software | Thimble | $91 | $1,088 |
| Speech Therapist | Nationwide | $22 | $260 |
| Speech Therapist | Simply Business | $22 | $260 |
| Startup | Simply Business | $16 | $187 |
| Travel | biBERK | $17 | $205 |
| Tech/IT | NEXT Insurance | $17 | $205 |
| Transportation | The Hartford | $34 | $407 |
| Tree Service | Nationwide | $93 | $1,119 |
| Trucking | The Hartford | $87 | $1,049 |
| Tutoring | Thimble | $106 | $1,276 |
| Wedding Planning | Thimble | $94 | $1,122 |
| Veterinary | biBERK | $27 | $322 |
| Welding | The Hartford | $145 | $1,745 |
| Wholesale | Coverdash | $37 | $439 |
| Window Cleaning | The Hartford | $139 | $1,668 |
Average Cost of General Liability Insurance in Florida
Most small businesses in Florida pay around $111 monthly for general liability insurance. The average cost of general liability coverage depends on your industry risk level, company size, location and policy limits.
Manufacturing companies tend to have higher premiums because of greater liability exposure, while accounting firms usually pay less due to lower risk. Sole proprietors generally pay lower rates compared to businesses with employees since they have fewer liability concerns.
Average Cost of General Liability Insurance in Florida by Industry
General liability insurance costs in Florida vary widely by industry, ranging from $18 monthly for drone businesses to $996 for pressure washing companies. Review this table to find typical general liability coverage costs for your specific business type.
Data filtered by:
Select
| 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 reflect small businesses with two employees across 79 major industries and focus solely on general liability policies. Your 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.
What Factors Affect Florida General Liability Insurance Costs?
Multiple factors determine how much Florida businesses pay for general liability coverage.
Florida's Legal and Regulatory Environment
Florida’s 2023 tort reform law changed how negligence lawsuits are handled for small business owners. House Bill 837 shortened the statute of limitations from four years to two and removed one-way attorney fees that previously encouraged more filings.
Since then, litigation has declined in several sectors and insurers have adjusted some rates in response. These changes can help lower premiums by reducing legal and defense costs.
Florida's Population Density and Urban Concentration
Where you operate your Florida business matters for your general liability rates. Nearly 90% of Floridians live in urban areas, with three-quarters residing within 10 miles of the coast. If you run a Miami storefront, you'll pay more than a similar business in Ocala because urban locations mean more foot traffic, higher slip-and-fall risk and increased crime exposure. More people walking through your door equals more liability exposure in insurers' calculations.
Florida's Rapid Population Growth
Florida's population boom directly impacts your liability exposure. The Orlando, Tampa, and Miami metro areas added over 150,000 new residents between 2022 and 2023 alone. More people moving to your area means more potential customers visiting your business daily. Areas like Polk County and Pasco County are transforming farmland into bustling communities, creating construction activity and infrastructure strain that increases premises liability risks for businesses operating in high-growth zones.
Florida's Construction and Labor Costs
Rising construction costs hit your general liability premiums even if you've never filed a claim. Florida's reconstruction costs jumped 12% from January 2022 to January 2023 due to inflation and supply chain disruptions. Your policy covers property damage you cause to others, so when lumber, drywall, and contractor labor cost more, insurers pay more to settle claims. Higher repair costs mean higher premiums across all industries, not just construction businesses.
How Much General Liability Insurance Do I Need in Florida?
Most Florida businesses aren't legally required to carry general liability insurance, but contractors are the exception. If you hold a contractor's license, the state sets specific requirements for commercial general liability coverage. Even without a legal mandate, you'll likely need a $1 million per occurrence limit with a $2 million aggregate. Your clients and landlord will ask for proof before signing contracts or lease agreements.
General contractors and building contractors
$300,000 in public liability coverage and $50,000 in property damage coverage
Residential and specialty contractors
Your minimums are lower at $100,000 in public liability coverage and $25,000 in property damage coverage
Florida contractors submit a signed affidavit when applying for or renewing their license, confirming they carry the required coverage. The Construction Industry Licensing Board randomly audits contractors by ZIP code to verify compliance, so keeping your policy active matters for your license status.
Note: State insurance requirements update regularly. Check with the Florida Department of Financial Services or a licensed agent to confirm the latest requirements before purchasing coverage.
How to Choose the Best General Liability Insurance in Florida
Getting business insurance in Florida means finding coverage that meets both your contract requirements and your actual liability exposure. The right policy protects you from third-party claims without paying for coverage you don't need.
- 1Determine Coverage Needs
Most Florida businesses don’t have state-mandated general liability requirements, but your clients and landlord likely do. Standard policies run from $500,000 to $2 million per occurrence, though some Florida cities set their own minimums for occupational licenses. Check your contracts and call your local city or county offices to understand what coverage you actually need before shopping.
- 2Prepare Business Information
Florida insurers calculate your premium based on your industry classification, revenue, employee count and physical location. Urban businesses in Miami or Tampa pay more than rural operations due to higher claim frequency. Have your EIN, business registration and recent tax returns ready when requesting quotes to get accurate pricing from the start.
- 3Compare Multiple Quotes
Request at least three quotes from Florida-licensed insurers since business insurance costs can vary by hundreds of dollars annually for identical coverage. Pay attention to whether defense costs eat into your policy limit or sit outside it. The cost of your coverage depends heavily on your location within Florida and your specific industry risk profile.
- 4Look Beyond Price
Cheap business insurance is a good thing, but you can’t make it the only basis for choosing a policy. Read the exclusions section carefully since standard policies won't cover professional errors, pollution or employee injuries. Understanding what's not covered prevents expensive surprises when you actually need to use your policy.
- 5Verify Insurer Credentials
Check any insurer's license status through the Florida Department of Financial Services online database at MyFloridaCFO.com before buying. Review AM Best financial ratings and complaint ratios since you want an insurer with strong reserves when large claims hit.
These steps help you find the best insurance for your business, especially since Florida’s market has seen multiple insolvencies in recent years, making financial stability checks essential.
- 6Ask About Discounts
Florida insurers cut premiums by 10% to 25% when you bundle general liability with commercial property or auto coverage. Installing safety systems, maintaining claims-free records or paying annually instead of monthly can reduce your costs. Ask specifically about bundling options since combining policies almost always saves money in Florida's competitive insurance market.
- 7Obtain Certificate of Insurance
Most Florida clients and landlords require a certificate of insurance before you start work or sign a lease. Some insurers provide digital certificates instantly through online portals, while others take up to 48 hours. Keep your agent's contact information accessible for urgent certificate requests that could otherwise delay your projects.
- 8Review Coverage Annually
Florida businesses should reassess coverage 60 to 90 days before renewal, especially after adding employees or expanding services. Compare new quotes annually since Florida's improving insurance market means rates dropped for many businesses in 2024 and 2025. Adjusting your coverage limits as your business grows prevents both overpaying and dangerous coverage gaps.
Top General Liability Insurance in Florida: Bottom Line
Finding quality general liability insurance in Florida starts with understanding your specific business needs and thoroughly researching available options. The Hartford, NEXT and Nationwide represent strong choices in the market, but your ideal provider depends on your industry, business size, and budget constraints. Compare quotes from multiple insurers and verify their licensing credentials before making your final decision.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Actuarial Review Magazine. "The Verdict on Florida's Tort Reforms." Accessed November 21, 2025.
- Executive Office of the Governor. "Governor Ron DeSantis Signs Comprehensive Legal Reforms into Law." Accessed November 21, 2025.
- Florida Office of Insurance Regulation. "Florida Office of Insurance Regulation Announces Lower Auto Insurance Rates Thanks to Florida's Insurance Reforms." Accessed November 21, 2025.
- Milliman. "How Recent Tort Reforms are Shaping Insurance Claims." Accessed November 21, 2025.
- The Florida Senate. "House Bill 837 (2023)." Accessed November 21, 2025.
- U.S. Census Bureau. "Sunshine State Home to Metro Areas Among Top 10 U.S. Population Gainers From 2022 to 2023." Accessed November 21, 2025.
- University of Florida, Bureau of Economic and Business Research. "Florida Estimates of Population 2024." Accessed November 21, 2025.