NEXT is the top contender for Florida’s best general liability insurance in MoneyGeek’s analysis, with a score of 90 out of 100. However, Nationwide, The Hartford, Thimble and Hiscox are also great options for general liability policies.
Best General Liability Insurance in Florida
Updated: June 20, 2025
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Key Takeaways
Overall, the best general liability insurance company in Florida is NEXT, which has a great balance of affordable rates for LLCs and good customer service.
The cheapest general liability insurance for sole proprietors in Florida is offered by Thimble at $24 per month. For LLCs, NEXT is the most affordable option at $30 a month.
General liability insurance costs in Florida depend on your industry, and we found they can range from $33 to $6,089 per month on average.
Best Cheap General Liability Insurance in Florida
| NEXT | 90 | $28 | $30 |
| Nationwide | 87 | $46 | $72 |
| The Hartford | 85 | $41 | $78 |
| Thimble | 83 | $24 | $71 |
| Hiscox | 83 | $32 | $93 |
*Rates were based on a $1,000,000 per occurrence and $2,000,000 aggregate limit for a software development company.
NEXT: Best and Cheapest Overall
pros
Easy fast buying process
Very cheap rates overall, regardless of business size
Business-insurance-only focus
cons
Higher customer complaint frequency
COMPANY HIGHLIGHTS
NEXT is our pick for the overall general liability insurance in Florida, and it is the cheapest overall in the state. The company has the second-cheapest rates for sole proprietors at $28 per month and the lowest rates for LLCs at $30 per month. While its claims ratio was higher than other companies we've reviewed in the state, their overall buying process was smooth, and you can get proof of insurance within the same day.
How Much Is General Liability Insurance in Florida?
An average general liability insurance policy in Florida typically costs around $33 per month for sole proprietors and $69 per month for LLCs. However, this only represents software development companies and the costs can vary widely by industry.
| Cleaning | $3,068 | $117 |
| General Contractor | $6,089 | $256 |
| Software Development | $69 | $33 |
*Rates are based on a $1,000,000 per occurrence and $2,000,000 aggregate coverage policy for general liability.
Factors That Impact General Liability Insurance Costs in Florida
General liability insurance costs can fluctuate based on a number of different factors in Florida. In the list below, you can see these factors and their impacts on your coverage costs.
Policy limits
Coverage limits play a crucial role in determining insurance premiums. Higher coverage limits usually lead to increased costs, while opting for lower limits can result in more affordable premiums.
Number of employees and payroll costs
Businesses with a large workforce and high payroll expenses often experience higher general liability insurance costs. Our findings on LLCs and sole proprietorships confirm this connection.
Business location
Where your business is located greatly influences insurance costs. State-level average rates can differ significantly between cities, so it's important to consider these variations when assessing your coverage needs.
Claims history
A history of frequent claims can make a business appear riskier to insurers, which can lead to higher premium costs.
Industry
Industries with inherent risks, like construction, tend to incur higher general liability insurance expenses.
Florida General Liability Insurance: Buyer's Guide
Business insurance is a complicated industry and can be difficult to navigate. So, to simplify your understanding of general liability insurance, we've created a short guide detailing how to get the best coverage, defining what it covers, listing requirements in Florida, and explaining how much coverage you should consider getting.
How to Find the Best General Liability Insurance Company
To help ensure that you get the best small business insurance regardless of your industry, we've created a step-by-step guide to simplify your coverage search.
- 1
Define your coverage needs
Determine your liability risk by considering your industry, services, customer types, business size and market impact. Assess the frequency and costs of common claims in your industry to evaluate coverage options better.
- 2
Research average costs vor your business
To understand how good of a deal you're getting from business insurance companies, you need to research average costs for your particular business. Knowing average expenses will give you a means to assess whether a company is saving you money or not.
- 3
Consult siimilar businesses
You can get recommendations from businesses that are better for your specific needs and have an understanding of what claims are common within your industry. They may also provide ways to mitigate risks associated with general liability insurance, so you don't need more coverage than necessary.
- 4
Compare multiple options through different means
Comparing multiple companies and using online comparison sites and brokers will give you a more comprehensive view of pricing and provide more opportunities to get advice.
What Does General Liability Insurance Cover and How Does It Work?
General liability insurance coverage consists of two parts: per occurrence and aggregate limits. Per occurrence refers to the maximum a single claim can go up to, while the aggregate limit is the total coverage you can get per year. In terms of covered items, this type of policy includes the following:
Bodily injuries or property damage on business property
Legal fees for bodily injury or property damage that your company may be responsible for
Damages to leased or rented business property
Bodily injury or property damage caused by your product or service
Libel, slander, or reputational harm legal defense
Legal fees for copyright infringement accusations
Is General Liability Insurance Required in Florida?
General liability insurance isn't expressly required by state law and instead varies by your industry. If you are looking to apply for a professional license, sign a contract with a larger company, or sign an office lease, some form of general liability insurance may be required. While not an exhaustive list, the following industries tend to fall into these categories:
- Medical
- Accounting
- Real estate
- Insurance
- Contracting
- Engineering
- Marketing
- Law
- Consulting
- Media/Communications
How Much General Liability Insurance Do I Need?
Most small businesses will only need a standard policy with 1 million dollars of protection per occurrence and a 2 million limit per year. This will likely cover most or all damages caused over a year for most business types. Even so, your particular industry's risks and the size of your operation may require a larger coverage limit than standard.
WHO MAY NEED MORE COVERAGE
Certain businesses, like those in health, building, serving food or selling goods, often face more risks. These companies might need to consider getting more insurance than the minimum coverage. If your company is bigger, with lots of workers or your products and services reach far, it's smart to check if you need more insurance to stay safe.
Best General Liability Insurance in Florida: Bottom Line
Overall the best general liability insurance companies in Florida are NEXT, Nationwide, and The Hartford. However, we recommend comparing around yourself and getting plenty of quotes to ensure you get the best deal possible.
General Liability Insurance in Florida: FAQ
Below, we address frequently asked questions regarding general liability insurance in Florida: Understand coverage needs and costs easily.
Which company has the best general liability insurance in Florida?
NEXT is MoneyGeek's top choice for general liability insurance in Florida, earning an overall score of 90 out of 100. However, the ideal insurance for you depends on various factors, including your business size, number of employees and specific coverage requirements.
Which company has the cheapest general liability insurance in Florida?
NEXT offers the most affordable general liability insurance in Florida. For LLCs with 20 employees, NEXT averages $30 per month ($360 annually). For sole proprietors with no employees, Thimble provides the cheapest coverage at $24 per month ($288 annually).
Does Florida require businesses to have general liability insurance?
In Florida, while general liability insurance isn't compulsory, it's a prudent investment to protect your enterprise against financial burdens from claims involving third-party injuries or property damage.
How We Chose the Best General Liability Insurance Providers in Florida
We broke down our scores into these categories and weights:
- LLC cost (55% of score)
- Sole proprietor cost (5% of score)
- Customer satisfaction (25% of score)
- Financial strength (10% of score)
- Quote process time (5% of score)
For all business insurance companies, we assumed software development industry LLCs with 20 employees. We based customer satisfaction and financial strength scores on NAIC and AM Best ratings. Quote process scores came from our MoneyGeek experts' personal experiences.
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.