Built-In Protection for the Everyday Risks of Business
Whether you run a boutique in Baldwin Park, manage rentals in Avalon Park, or operate a contracting business across Central Florida, general liability insurance in Orlando is essential. It’s the baseline coverage that protects your business from the unexpected—slip-and-fall claims, property damage you may cause, or even lawsuits over advertising mistakes.
Many commercial leases, vendor agreements, and licensing boards require proof of general liability coverage. But even if they didn’t, the financial hit from a single claim could be devastating without it.
The White Agency helps
Florida small businesses secure general liability coverage that fits their risks, industry, and budget—so you can keep your business moving forward with confidence.
Coverage That Keeps You in Business When Things Go Wrong
Slip & Fall Incidents
A customer trips on a wet floor in your office or shop. General liability helps cover medical bills and legal fees.
Property Damage
Your crew accidentally breaks a client’s window while working on-site. GL covers repair costs and liability.
Product or Completed Work Injury
A product you sell or work you've completed leads to injury or damage. You're covered.
Personal & Advertising Injury
Covers libel, slander, or copyright issues—especially important for businesses advertising online or in print.
Legal Defense Costs
Even if a claim is dropped, you may face attorney fees. GL insurance can help pay for your legal defense.
Every Business Has Risks. This Coverage Helps You Handle Them.
General Liability is the one policy nearly every business should carry.
Whether you’re a sole proprietor or have a team of 20, small business liability insurance in Florida is your first line of defense against claims that can derail your operations.
Even LLCs aren’t immune to legal or financial exposure when a customer gets hurt or sues over damage. If you’re unsure whether you need a commercial liability policy in Orlando, consider your exposure:
- Contractors or service businesses working on client property
- Retail shops with regular customer foot traffic
- Consultants or tech firms marketing their services
- Rental property owners interacting with tenants
- Any business signing contracts requiring insurance proof
We also help clients decide whether to buy
stand-alone GL coverage or include it in a
Business Owner’s Policy (BOP). If you also need property coverage for tools, inventory, or a physical space, a
BOP may save money while expanding protection.
Straight talk on what general liability does—and doesn’t—cover.
Answers for Florida Small Businesses
Business owners across Orlando often ask what general liability insurance is really for, or whether it’s worth it. Here are the most common questions we hear from first-time buyers and experienced business owners alike.
What does general liability insurance cover?
It covers third-party bodily injury, property damage, and legal defense costs. Also includes personal and advertising injury in most policies.
Who needs general liability insurance in Florida?
Nearly all businesses—from contractors to consultants—need GL coverage. It’s often required by leases, contracts, and licensing authorities.
Is general liability enough on its own?
It’s a strong foundation, but you may need more. For example, add Commercial Auto if you drive for work, or Cyber Liability if you store customer data.
How much coverage do I need?
Most businesses start with $1M per occurrence / $2M aggregate. We’ll help you choose based on your industry, contract requirements, and risk.
What’s the cost of GL insurance in Orlando?
Rates vary depending on business type, revenue, claims history, and other factors. Many small businesses pay $400–$1,000 per year.
Can you provide certificates of insurance (COIs)?
Absolutely. We regularly issue COIs for clients who need proof of insurance for contracts or jobs.