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.


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.


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.


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.


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.


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
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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:


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.

Thimble ranked as the overall best general liability insurance in Florida for its affordability and service quality. Keep in mind that the best provider for you may vary depending on factors such as your coverage needs, business size and employee count.

Next received the highest marks for affordability, making it the cheapest general liability insurance provider in Florida. However, the cheapest option for your business will depend on how many employees you have, among other things.

In Florida, general liability coverage typically covers third-party bodily injuries, third-party property damage and personal and advertising injury.

General liability insurance is optional in Florida. Nevertheless, we recommend purchasing coverage as a practical and sensible way to protect your business against the financial impact of third-party liability claims.

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.