It’s not required by state law for all businesses (unlike workers’ comp for certain businesses), but some industries or contracts require it. For example, most commercial landlords require tenants to carry GL, and many client contracts (especially for contractors) mandate a certificate of insurance. Even when not required by law, it’s highly recommended given the risk of lawsuits.

General Liability covers physical risks – bodily injury or property damage to others. Professional Liability (Errors & Omissions) covers financial losses from the services or advice you provide (for instance, a mistake in your professional work). Many businesses need both, especially if you provide a service or advice. We can help you determine if you need one or both based on your operations.

Yes, one of the key benefits of GL insurance is that it covers legal defense costs (attorney fees, court costs) in addition to any settlements or judgments, up to the policy limits. Even a frivolous lawsuit can cost thousands to defend, so having GL means the insurance company handles the legal defense.

Usually within a day or even same-day. Florida We Insure prioritizes quick turnaround for COI requests. When you bind a GL policy with us, we provide you proof of insurance immediately, and anytime you need a special certificate (e.g., listing a client or landlord as additional insured), just contact us and we’ll issue it promptly.

We offer an easy online quote request for general liability. However, finalizing a policy may involve a quick consultation to ensure we understand your business fully. Many small business policies can indeed be purchased quickly (sometimes within minutes for simple businesses). Our online form or a quick call is all it takes to start, and we’ll guide you through the rest.