Liability Insurance in Miami, FL

Liability coverage pays when you are legally responsible for injury or property damage to someone else. Your home and auto policies include some, but the limits run out quickly in a serious claim. Liability insurance, whether a personal umbrella or a commercial general liability policy, protects your assets when that happens.

What liability insurance covers

• Personal umbrella: $1 million or more in extra liability over your home, auto, and boat policies
• Commercial general liability: bodily injury, property damage, and personal and advertising injury for businesses
• Professional liability (errors and omissions) for service providers
• Contractor liability, including coverage required to pull permits
• Certificates of insurance for clients and landlords

What Florida owners should know

Florida is a high litigation state. An umbrella policy is one of the least expensive coverages you can buy relative to the protection it provides, often a few hundred dollars a year for $1 million. For businesses, Florida contractors and many service providers must show proof of general liability to get licensed or to work on commercial jobs.

Common questions

Do I need an umbrella policy?

If you own a home, have savings, or earn a good income, a single serious auto accident can exceed your policy limits. An umbrella covers the difference.

What does general liability not cover?

Your own property, your employees' injuries (that is workers compensation), professional mistakes (that is E&O), and auto accidents (that is commercial auto).