General Liability Insurance in Fort Myers

Commercial general liability for Southwest Florida businesses

Bassine Insurance Agency helps Southwest Florida business owners with commercial general liability insurance from our office in North Fort Myers. It’s often the policy a landlord, client or contract asks to see first, because it responds when someone outside your business says your work, your products or your premises caused them harm. As an independent agency, we’ll compare the options available for your business and explain the differences.

What General Liability Insurance Can Cover

A commercial general liability policy responds to claims from other people. It isn’t designed for damage to your own property or injuries to your own employees. Most policies are built around the parts below, and the exact coverage depends on the policy form, endorsements, limits and exclusions:

Bodily Injury to Others

Can help pay for claims, including legal defense, when a customer, vendor or visitor is injured at your location or because of your operations.

Damage to Other People's Property

Can respond when your work or your premises damages property that belongs to someone else, such as a client’s building or equipment.

Personal and Advertising Injury

Can cover certain claims of libel, slander or using someone else’s advertising idea in your own marketing.

Products and Completed Operations

If you sell products or finish jobs at a customer’s property, this part can respond to claims that come up after the product is sold or the work is done.

Medical Payments

Can pay limited medical expenses for someone hurt on your premises, usually without having to prove fault.

General liability doesn’t cover everything. Your own building and equipment, your business vehicles and injuries to your employees are usually handled by separate policies.

Before we compare options, we’ll ask what your business does, where you work, your annual revenue or payroll, how many people you employ, whether you hire subcontractors and whether a lease or contract sets specific insurance requirements. If a landlord or client needs a certificate of insurance or wants to be listed as an additional insured, tell us early so we can include it in the quote request.

Our guide to commercial general liability insurance explains the coverage in more detail.

Local Help for Southwest Florida Businesses

We work with business owners in Fort Myers, North Fort Myers, Cape Coral and across Southwest Florida, whether you run a shop, an office or a service business. When your business changes, such as a new location, new services or more employees, call us so we can review whether your general liability coverage still fits.

Call (239) 995-0333 or request a quote online to talk through general liability insurance for your business.