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Welcome to Our Agency

With nearly four decades of experience, we are dedicated to providing personalized coverage and exceptional customer service. Our team of experienced professionals is committed to protecting your family, business, and assets with confidence.

Contact Us

  • 3700 West Hillsboro Boulevard
    Deerfield Beach, Florida 33442

  • (954) 990-7620

  • Working Hours: 9:00am to 5:00pm

Welcome To Alberto Insurance . English / Spanish / Portuguese         3700 West Hillsboro Boulevard - Deerfield Beach, Florida 33442

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General Liability Insurance Agency

We're Insurance by Floridians, for Floridians

What is General Liability Insurance?

General Liability Insurance (GLI) covers legal and financial responsibilities if your business is found liable for injuries, property damage, or personal/advertising harm. It's one of the most essential types of coverage for any business interacting with clients, customers, or the public.

What Does General Liability Insurance Cover?

Bodily Injury
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Covers medical costs, legal fees, and settlements if someone is injured on your premises or due to your business activities.


Property Damage
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Pays for damage you or your employees cause to another person’s property during the course of business.


Personal & Advertising Injury
$

Protection from claims of libel, slander, copyright infringement, or false advertising.


Legal Defense Costs
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Covers attorney fees, court costs, and settlements—even if you are not found liable.


Products & Completed Operations
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Provides coverage for harm caused by products you’ve sold or services you’ve completed.


Who Needs General Liability Insurance?

Any Florida business that deals with clients, customers, or the public should carry GLI. This includes:

Retail Stores & Restaurants
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Contractors & Tradespeople
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Real Estate & Property Managers
Consultants & Freelancers
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Medical Offices
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Event Organizers

Even home-based businesses can benefit from GLI, as homeowner’s insurance typically excludes business-related claims.


How Much Does General Liability Insurance Cost in Florida?

Premiums vary depending on:
Business size & Type
Location & Risk Exposure
Claims History
Coverage limits & Deductibles
Number of employees
On average, small businesses in Florida pay between $500 and $1,500 annually for basic GLI coverage.


What is Not Covered by General Liability Insurance?

While GLI offers broad protection, some risks require additional policies:


Professional Mistakes

Covered by Professional Liability (Errors & Omissions) Insurance.

Employee Injuries

Covered by Workers' Compensation.

Vehicle Accidents

Covered by Commercial Auto Insurance.

Property Damage to Your Business

Covered by Commercial Property Insurance.

Customizing Your Coverage

Every business is different.AlbertoInsurance agents help tailor your policy with additional options:
Higher coverage limits
Umbrella Insurance for added protection
Bundled policies like BOP for cost savings
On average, small businesses in Florida pay between $500 and $1,500 annually for basic GLI coverage.


Build Your Own Personalized General Liability Insurance Policy in Florida

Get Prepared. Get AlbertoInsurance. Our agents make it easy to build a general liability insurance policy to shield your Florida business from injury and property damage claims. Customize cost-effective coverage with our experienced partners to protect your operations and reputation.


Frequently Asked Questions (FAQs)

What does general liability cover for a Florida business?

General liability covers three categories of third-party claims: bodily injury, property damage, and personal or advertising injury. It also pays your legal defense costs — including attorney fees and court costs — even when the claim is groundless.

Is general liability required in Florida?

Florida does not universally require general liability insurance, but most professional licenses, commercial landlords, and corporate clients do require proof of coverage. It is the baseline protection for Florida businesses operating in any public-facing role.

How much coverage do most businesses carry?

The most common general liability limits are $1 million per occurrence and $2 million aggregate per policy year. Higher-risk trades like construction, food service, and heavy industry often add a commercial umbrella policy for $1–10 million in additional protection.

Can you help meet Florida contractor requirements?

Yes — your local AlbertoInsurance® agent can issue Certificates of Insurance (COIs) for licensing boards, contracts, and bid requirements. Recommended limits depend on your trade and the size of contracts you typically bid.

Are legal expenses covered if I am sued?

Yes — attorney fees, court costs, and settlements are paid by your general liability carrier up to your policy limits. Defense costs are usually paid in addition to your liability limits, but always confirm specifics in your policy wording. Site Information and Navigation Insurance in Florida Auto InsuranceHome InsuranceCondo InsuranceBoat InsuranceCommercial InsuranceRenters InsuranceRV InsuranceMotorcycle InsuranceUmbrella InsuranceFlood Insurance About AlbertoInsurance Insurance

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