Common General Liability Claims for Florida Businesses and How to Avoid Them

For Florida businesses, general liability claims often come from everyday risks such as customer injuries, property damage or advertising disputes. Appropriate general liability insurance can help protect your company’s financial stability when unexpected events occur.

Slip and Fall Incidents

Slip and fall claims are among the most frequent for Florida businesses. Rain, humidity and heavy foot traffic can make walkways slick and unsafe. If someone is injured on your property, your business may be held responsible for medical or legal expenses.

How to avoid it:

• Inspect walkways, entryways and customer areas often.
• Post clear signs for wet or uneven surfaces, keep floors clean and dry and ensure lighting is bright enough for safe movement.
• Regular maintenance logs can also help show that you take safety seriously.

Third-Party Property Damage

Accidental damage can happen if your team works on a client’s property or regularly hosts visitors. A contractor might scratch the flooring, or an employee could knock over equipment.

How to avoid it:

• Train employees to take care when working in customer areas.
• Use protective coverings.
• Mark work zones clearly.
• Document the property’s condition before starting any project.

Advertising or Personal Injury Claims

General liability coverage can also apply to advertising and personal injury claims, including libel, slander or copyright issues. In Florida’s competitive markets, a simple marketing campaign or social post mistake could lead to legal action.

How to avoid it:

• Double-check that marketing content is accurate and doesn’t use unauthorized material.
• Have a review process before publishing.

• Make sure someone in your organization approves all external communications.

Completed Operations Claims

Even after a project is finished, your business can still face claims related to your completed work. This is common in service and contracting industries where problems may not appear until after the job is done.

How to avoid it:

• Use clear contracts that define your responsibilities and completion criteria.
• Perform quality checks before finishing a project.
• Document the final condition.
• Keep detailed records of materials and inspections.

Strengthen Your Coverage

Prevention measures and appropriate insurance coverage are crucial. Review your general liability limits to ensure they match your business size and exposure. Ask your agent whether you need additional endorsements or higher limits for your operations.

Contact Ramey Insurance Agency today to review your general liability coverage. A quick conversation can help confirm that your policy fits your business and offers coverage for Florida’s most common risks.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.