In Florida, some of the most common policies for small businesses include:

General liability insurance

General liability insurance helps cover expenses related to injuries incurred by customers and visitors to your property. It can also help cover property damage and advertising injuries. Examples of situations that may be covered by general liability include:

• A deliveryman slides on ice on the front step of your business and breaks a wrist.

• A model attending a photo shoot at your private studio trips over a loose cable and twists an ankle.

• Your marketing team comes up with a slogan that your competitor claims is slander.

Property insurance

Your business property, which includes the building, equipment, and inventory, may suffer damages due to accidents or crime. Commercial property insurance can help pay for repairs or replacements that are necessary when:

• A pipe breaks at your convenience store, causing extensive water damage to your inventory.

• Expensive lotions and beauty products are stolen from your spa.

• An employee at your architecture firm knocks over a detailed scale replica of a building.