General Liability Insurance in Florida – The Marcus Group

Why General Liability Insurance Matters for Florida Businesses

Running a business comes with risks — from customer slip-and-fall accidents to property damage and advertising liability. Without the right coverage, a single lawsuit could cost your business thousands.


At The Marcus Group, we help small and mid-sized businesses in Florida,  protect themselves with tailored general liability insurance, giving you confidence to operate safely.

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general liability Insurance

What Our General Liability Insurance Covers

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Bodily Injury

Covers medical costs and legal fees if someone is injured on your business property.

Property Damage

Protection if your business causes damage to a customer’s property.

Personal & Advertising Injury

Covers claims of libel, slander, or copyright infringement.

Pays for attorney fees, court costs, and settlements even if claims are groundless.

Legal Defense Costs

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Common Add-Ons & Options

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Professional Liability Insurance (E&O)

Protects against errors or negligence in professional services.

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Product Liability Coverage

For businesses that manufacture or sell goods, covering defective product claims.

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Cyber Liability Add-On

Extends coverage to online risks such as data breaches or cyberattacks.

Who Needs General Liability Insurance in Florida?

  • Retail Stores & Restaurants – Protecting against customer slip-and-falls.

  • Contractors & Trades – Covering on-site accidents and property damage.

  • Professional Services – Safeguarding against client lawsuits.

  • Small Business Owners – Any business exposed to customer or client interactions.

Local Risks to Consider

Operating in South Florida comes with unique risks:



  • High Customer Traffic – More exposure to slip-and-fall claims.

  • Storm Damage Liability – Damage caused to others’ property during hurricanes.

  • Tourism-Driven Risks – Higher liability exposure for businesses serving visitors.

FAQs – General Liability Insurance in Florida

  • Is general liability insurance required in Florida?

    Not by law, but many landlords and clients require proof of coverage.

  • How much coverage does my business need?

    It depends on your industry, size, and risks. We help you choose the right limits.

  • Does general liability cover employee injuries?

    No. That requires a separate workers’ compensation policy.

  • Can general liability be bundled with other policies?

    Yes. It’s often part of a Business Owners Policy (BOP).

  • How much does general liability insurance cost?

    Costs vary by industry, claims history, and coverage limits. We shop multiple carriers for the best value.

Protect Your Business with Confidence

Get the Right General Liability Insurance in Florida

At The Marcus Group, we’ve been protecting South Florida businesses since 1999. With access to multiple top carriers, we’ll help you find affordable liability coverage that fits your business needs.