Please note! At this time, is unable to write any business property insurance in the state of Florida. This will include, but may not be limited to, Business Owners Policies, Business Personal Property, General Liability, Commercial Auto, Commercial Umbrella.

General Liability Insurance


What is General Liability Insurance?

General Liability Insurance is a type of business insurance that provides coverage for a range of common risks faced by businesses. This insurance policy protects businesses from financial losses resulting from bodily injury, property damage, and advertising or personal injury claims made by third parties. It typically covers legal fees, medical expenses, and damages awarded to the claimant up to the policy limits. General Liability Insurance can be customized to meet the unique needs of different businesses, and it is often considered essential for businesses of all sizes and types.

What does General Liability Insurance cover?

General Liability Insurance, also known as Commercial General Liability Insurance, provides coverage for claims arising from third-party bodily injury, property damage, or advertising injury that a business may cause in the course of its operations. It covers legal expenses, such as settlements and judgments, as well as the cost of defending a lawsuit. Specifically, General Liability Insurance covers:

  1. Bodily Injury: Covers the medical expenses, lost wages, and other expenses associated with injuries sustained by someone other than an employee of the business.
  2. Property Damage: Covers the cost to repair or replace property damaged by the business or its employees.
  3. Personal and Advertising Injury: Covers claims of slander, libel, or copyright infringement, among other similar claims.
  4. Products and Completed Operations: Covers claims arising from products sold or work completed by the business.
  5. Medical Payments: Covers medical expenses incurred by someone other than an employee of the business who is injured on the business premises or as a result of the business’s operations.

Overall, General Liability Insurance provides financial protection against a broad range of potential liabilities that can arise from a business’s day-to-day operations.

What doesn’t General Liability Insurance cover?

General Liability Insurance typically doesn’t cover damages or losses that are intentional, illegal, or beyond the scope of the policy. Here are some examples of what is usually not covered:

  1. Intentional acts: Any harm caused by deliberate actions, such as assault or battery, is not covered.
  2. Contractual obligations: General Liability Insurance does not cover any obligations outlined in a contract or agreement, such as a breach of contract.
  3. Employee injuries: Employee injuries or illnesses are typically covered by Workers’ Compensation Insurance and not General Liability Insurance.
  4. Professional services: General Liability Insurance does not cover losses arising from professional services provided by the insured, such as accounting or legal advice. Professional Liability Insurance is designed to cover such losses.
  5. Property damage: Property damage caused by an insured’s own operations or completed work is not covered by General Liability Insurance. This type of damage is typically covered by Commercial Property Insurance.

Our Carriers

ENO Insurance Agency is a family-owned and operated business that has been providing professional liability insurance to clients for over 20 years. We take pride in our ability to provide our clients with personalized service and customizable insurance solutions that meet their specific needs. Our knowledgeable and experienced staff is dedicated to providing our clients with the best service possible.

Adam Gwaltney, President, COO

Who needs General Liability Insurance?

General Liability Insurance is recommended for all types of businesses regardless of their size, industry or structure. Any business that interacts with the public, has employees, or operates on someone else’s property can benefit from having General Liability Insurance. It is particularly important for businesses that face a higher risk of accidents or lawsuits, such as construction companies, manufacturers, and retailers. Additionally, some industries may be required by law or their clients to carry General Liability Insurance.

What Policy Limits are right for my business?

The appropriate policy limit for General Liability Insurance varies depending on the size and risk level of the business. Small businesses with low risk may only need coverage in the $500,000 to $1 million range, while larger businesses with higher risk may require limits of $2 million or more. Some contracts with customers or clients may also require specific policy limits. It’s important to work with an insurance agent or broker to determine the right policy limits for your specific business needs.

How much does a General Liability Insurance policy cost?

The cost of a General Liability Insurance policy can vary depending on several factors, including the type of business, its size, location, revenue, claims history, and coverage limits. Generally, the more coverage a business needs, the higher the premium. However, the cost of a General Liability Insurance policy can be as low as a few hundred dollars per year for a small business, while larger businesses may pay thousands of dollars annually. It is recommended to get quotes from several insurers to compare coverage and pricing options.

Where is the team licensed to sell General Liability Insurance?

The team is licensed in the following states:

  • Alabama
  • Arizona
  • Colorado
  • Florida
  • Georgia
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Maryland
  • Michigan
  • Minnesota
  • Montana
  • New Jersey
  • North Carolina
  • Ohio
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Texas
  • Virginia
  • Wisconsin


Let’s work together

Get in touch today and receive a complimentary consultation.