General Liability Insurance

General liability insurance is usually provided for businesses, both big and small, and protects the business owner from financial loss if they are sued by a third party or customers for property damage or personal injury claims that occurred in the workplace. General liability is also commonly known as commercial insurance, commercial general liability or business insurance.

Tampa General Liability Insurance Lawyer

You work hard for your business. You also make sure to have proper insurance to cover property damage and personal injury claims on the premises. As a result, you deserve to be properly reimbursed and compensated after a general liability insurance claim.

Attorney Michael Germain of Germain Law Group, P.A. has a proven track record of successfully taking on the insurance companies and getting clients the compensation they deserve. He has years of experience in insurance law matters, including general liability insurance, property insurance, and property damage claims.

Contact Germain Law Group, P.A. at (813) 835-8888 or submit an online form to schedule a confidential consultation.  Germain Law Group, P.A. helps individuals with their general liability policy claim throughout Hillsborough County, including Tampa, Plant City, Temple Terrace, Sun City, Clair-Mel City, and surrounding areas.

Tampa General Liability Insurance Information Center

Florida General Liability Insurance Policies

Florida general liability insurance policies typically protect businesses from lawsuits by another party that is not insured by the insurance policy, including customers or patrons of the business.

Although a business owner can purchase a general liability policy on its own, this type of insurance can also be provided in the business owner’s policy (BOP). If the insurance is part of the business owner’s policy, general liability insurance, workers’ compensation and property insurance are bundled together.

A business’ property insurance covers damages to the business property and workers’ compensation provides for damages sustained by employees while they are working.

Commercial general liability policies usually cover four areas that could lead to business owner liability to a third party:

  • Bodily injury,
  • Damage to another person’s property,
  • Personal injury, and
  • False or misleading advertising.

Commercial general liability policies typically don’t cover:

  • Sexual harassment claims,
  • Claims by employees injured while on the job,
  • Wrongful termination claims,
  • Claims arising from vehicle operation while on the job, and
  • Claims for malpractice from professional positions, including doctors and lawyers.

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Insurance Company Requirements for General Liability

According to Fla. Stat. § 627.441, an insurance company is required to provide legal defense for the policyholder if they are sued and also provide payment up to the policy limits for any judgment against the policyholder. CGL policies also usually cover medical expenses of the injured party.

If an insurance company denies the claim covered by your general policy claim or refuses to pay a judgment up to the limits of your insurance policy, you may be entitled to file a claim against your insurance company for breach of insurance contract or for a number of bad faith claims provided for in the Florida Statutes.

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Statute of Limitations for General Liability Claims

If a business owner who holds a general liability insurance policy wants to file a claim against their insurance provider because the company is not paying on the settlement owed to a the third party, provides less than the maximum coverage to the injured third party, or for a number of other reasons, the statute of limitations for commercial general liability claims is generally four years, according to Fla. Stat. § 95.11(3). A statute of limitations is the maximum amount of time from the date of the breach the injured party can file legal proceedings against the party who caused damages.

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Tampa General Liability Resources

Florida Office of Insurance Regulation – The Florida Office of Insurance Regulation serves the state’s citizens by regulating and enforcing statutes related to the insurance business in Florida.

Florida Statutes Online – This website provides links to Title XXXVII of the Florida Statutes, entitled “Insurance,” which contains the state’s rules insurance companies must follow, definitions of certain insurance terms, and other provisions regarding rates, statutes of limitations and insurance contracts.

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Germain Law Group, P.A. | General Liability Insurance Attorney in Tampa

Contact the Germain Law Group, P.A. today at (813) 835-8888 or submit an online form for a consultation about your general liability insurance policy in Central Florida, including Hillsborough, Pinellas, Pasco, Hernando, Citrus, Sumter counties, and surrounding communities.

Michael B. Germain is an experienced insurance lawyer in Tampa who will listen to the facts of your situation and help you determine the best recourse in pursuing your claim for your general liability insurance policy.

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