Compare Rates and Save on Small-business Insurance


To identify the best general liability insurance companies in Florida, MoneyGeek evaluated key factors like affordability, customer service, financial stability and the online quote process. Thimble was our overall winner. Its policies cost an average of $65 per month for limited liability companies (LLCs) with 20 employees and $22 per month for sole proprietors with no employees.

We also researched the cheapest companies for general liability insurance for small business owners. Next clinched the top spot in this category. With Next, LLCs with 20 employees pay around $28 per month, while sole proprietors with no employees spend roughly $26 per month for coverage.

MoneyGeek Logo IconBest General LiabilityFlorida

Best General Liability Insurance in Florida

Best Overall General Liability Insurance in Florida

Thimble is the best general liability insurance company in Florida, earning a MoneyGeek score of 89 out of 100. Browse the table below to see our rankings of all providers in Florida with their respective scores and average premiums.

How was this MoneyGeek score calculated?

MoneyGeek Score
Monthly Cost Without Employees
Monthly Cost With 20 Employees








No Data













The Hartford




Best OverallScore: 0
0/5LLC Affordability
0/5Sole Proprietor Affordability
0/5Customer Satisfaction
0/5Financial Stability
0/5Online Quote Process

High ratings in customer service and financial stability

Cheapest provider for sole proprietors


Received more customer complaints than other insurers

Higher coverage cost for LLCs

Company Highlights

Our top pick, Thimble, combines affordable rates with outstanding service. It’s the cheapest for sole proprietors at $22 monthly. While its LLC affordability score is low, its rates for these types of companies are the second cheapest. Thimble’s customers will appreciate its fast and efficient service. Getting a quote online takes under a minute, and customers will appreciate the insurer’s financial stability. However, potential policyholders may want to take note of the fact that Thimble receives more customer complaints than most other companies we evaluated.

Cheapest General Liability Insurance in Florida

You’ll find the cheapest general liability insurance in Florida from Next, averaging $28 per month for LLCs and $26 per month for sole proprietors.

Monthly rates typically differ between LLCs and sole proprietors, so we based our rankings on an affordability score that takes into account the monthly cost for both. Because of this, our winner might not be the cheapest for both business types.

How was this MoneyGeek score calculated?

CheapestScore: 98
5/5LLC Affordability
4/5Sole Proprietor Affordability
0/5Customer Satisfaction
2/5Financial Stability
4/5Online Quote Process

Cheap rates for LLCs and sole proprietors

Relatively quick quote process compared to other insurers


Lower financial stability rating

Company Highlights

Next offers the lowest average rate in Florida for LLCs at $28 per month and the third cheapest average rate for sole proprietors at $26 per month out of the five insurers we evaluated. Its A- rating from AM Best is lower than other insurers. While the insurer did rank well in terms of quote speeds, it does take more than one minute to get a quote, which some potential customers may find frustrating.

Best General Liability Insurance for Employers in Florida

Owners of LLCs in Florida will fare best with Next as their general liability insurance provider. It received a MoneyGeek score of 91 out of 100 and offers policies at an average cost of $28 per month.

We based our rankings on the average monthly premium for LLCs with 20 employees. The cost of general liability insurance is affected to a large extent by employee headcount, so businesses with fewer than 20 people on their staff will likely pay less than our average rate, while the opposite can be expected for more than 20 employees.

How was this MoneyGeek score calculated?

Best for EmployersScore: 91
5/5LLC Affordability
0/5Customer Satisfaction
2/5Financial Stability
4/5Online Quote Process

Cheapest insurer at $28 per month

Relatively fast quote system


Lower stability score

Poor customer complaint rating

Company Highlights

With its affordable rates and good financial standing, Next is the best general liability company for employers in Florida. Its policies average $28 monthly, the cheapest in the state. It received an A- (Excellent) rating from AM Best, which is lower than other insurers we evaluated.

While Next received a good score for its time to get quotes, some users might find the fact that it takes more than a minute to get a quote from the insurer a bit too lengthy.

Best General Liability Insurance for Sole Proprietors in Florida

We recommend biBERK for sole proprietors who are shopping for the best general liability insurance in Florida. It earned a MoneyGeek score of 98 out of 100, and its policies cost approximately $23 per month.

We based our rankings on the average premium for sole proprietors with no employees. Businesses in riskier industries like construction might be charged higher rates.

How was this MoneyGeek score calculated?

Best for Sole ProprietorsScore: 98
5/5Sole Proprietor Affordability
4/5Customer Satisfaction
5/5Financial Stability
3/5Online Quote Process

Highest financial stability rating

Second-cheapest insurer at $23 per month

Few customer complaints


Getting a quote online takes longer than other insurers

Company Highlights

biBERK ranks as the best general liability insurance company for sole proprietors in Florida. It’s the second-cheapest option in the state, with policies averaging $23 monthly.

This insurer is part of the formidable Berkshire Hathaway Insurance Group and received the highest possible rating from AM Best, which is an A++ (Superior) score. This proves it has the financial strength to fulfill policyholders’ valid claims. biBERK also boasts of superb customer satisfaction, receiving fewer complaints than most other insurers.

Do You Need General Liability Insurance in Florida?

Although business owners aren’t required by Florida state law to purchase general liability insurance, we still recommend it to protect your business against possible financial loss following a liability claim. It may also be a requirement for getting a business license or winning a contract in some industries.

General liability insurance provides coverage for the following:

  • Third-party bodily injuries: Your policy will help pay for medical expenses if a customer sustains an injury within your business property.
  • Third-party property damage: Your policy will cover the cost of damages to another person’s property that are caused by your employees or your business.
  • Personal and advertising injury: Your policy will cover legal expenses and damages if an individual sues your business or your employees for copyright infringement, slander or libel.

Certain businesses in Florida are required to have other types of business insurance. Non-construction businesses with at least four employees, construction businesses with one or more employees and agricultural businesses with at least six regular employees and/or 12 seasonal workers must purchase workers’ compensation insurance. Businesses must also purchase commercial auto insurance for company-owned cars at these minimum limits:

  • $10,000 per person
  • $20,000 per accident for bodily injury
  • $10,000 for property damage
smallBusiness icon

The Florida Department of State’s Division of Library and Information Services provides useful information on how to form a company, set up taxes and obtain a business license through its Small Business Resource Guide. It also has additional online resources from agencies such as the State Library of Florida and the Florida Small Business Development Center, which include a one-stop-shop for small businesses, a summary of regulations and a list of important phone numbers.

How Much Is General Liability Insurance in Florida?

General liability insurance in Florida costs an average of $64 per month for LLCs with 20 employees and $30 per month for sole proprietors with no employees.

These rates are for a policy with a $2 million aggregate limit, a $1 million occurrence limit and a $0 deductible. The aggregate limit is the total maximum amount that your insurance provider will cover for all claims during the policy period. This is different from the occurrence limit, which is the maximum amount that your insurer will pay you per claim. The deductible is the amount of money that business owners have to pay out of pocket before their insurance provider starts paying for claims.

Factors That Impact General Liability Insurance Costs in Florida

General liability insurance varies in cost for each business based on the following factors:

  • insurance2 icon

    Policy limits

    A policy with higher limits gives more financial protection, but it’s also more expensive. Choosing lower limits means you’ll pay less in premiums, but this could cost you more in the long run if you need to file a claim. Make sure to select policy limits that match the level of risk exposure of your business.

  • wage icon

    Number of employees and payroll costs

    General liability insurance depends on how many employees you have and on payroll costs. Expect to spend more for coverage if your business has a higher employee headcount. In Florida, sole proprietors could pay around $30 per month for coverage, while LLCs with 20 employees may pay around $64 monthly.

  • business icon

    Business location

    Insurance providers consider more populated areas riskier to insure. Expect general liability coverage to cost significantly more if your business is in a populous metropolitan area. Note also that the statewide average rates in our study could vary at the city level.

  • uninsured icon

    Claims history

    General liability insurance is typically cheaper for businesses that remain claims-free. This is why we encourage business owners to use proper risk management to avoid facing insurance claims.

  • hammer icon


    Business industries that have higher levels of risk, such as construction, face higher insurance premiums. The table below shows how the average cost of general liability insurance in Florida changes based on the business industry.

Monthly Cost Without Employees
Monthly Cost With 20 Employees

Software Development






General Contractor



Frequently Asked Questions About General Liability Insurance in Florida

Your specific needs and other factors will determine the best general liability insurance company and coverage for your business. We’ve answered common questions to help you finalize your purchase.

About Melissa Wylie

Melissa Wylie headshot

Melissa Wylie is a Content and SEO Manager at MoneyGeek. Melissa has worked in the financial content space since 2018 and has spent much of that time focused on all things small business.

Prior to joining MoneyGeek, Melissa held SEO positions at Bankrate and LendingTree. Melissa’s work has also appeared on LendingTree-owned websites ValuePenguin and MagnifyMoney.

Melissa began her career at American City Business Journals in 2015 as a reporter for the company’s women-focused publication Bizwomen. Melissa has a Bachelor of Arts in Journalism from the University of North Texas. Melissa relies on her foundation in journalism to craft content that simplifies complex financial topics to help everyone feel confident when making decisions with their money.

Melissa's other work can be read on LendingTree and Bizwomen.