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General Liability Insurance in Florida

Florida’s modified comparative-fault bar and two-year negligence deadline apply under the 2023 changes to the statutory categories and claims with the stated effective-date boundaries. A claimant exactly at 50% fault is not barred under §768.81(6), while medical-negligence injury or wrongful-death actions are excepted from that threshold. 3,1,2

What Is General Liability?

General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. Read the national General liability guide.

What to Watch for in Florida

  • Use the Claim’s Accrual Date

    Chapter 2023-15 made Florida’s negligence limitations period two years and says that change applies to causes accruing after March 24, 2023. The Act separately says most changes apply to causes filed after that date; ask counsel to confirm which transition clause governs the asserted provision. 3,2

  • Exactly 50% Fault Is Not the Bar

    Section 768.81(6) bars recovery only when a party is greater than 50% at fault for their own harm. The threshold does not apply to personal-injury or wrongful-death medical-negligence actions under Chapter 766, and the section excludes intentional torts and specified statutory causes. 1

  • Limits Follow Each Defendant’s Share

    For covered negligence actions, §768.81 directs judgment against each liable party according to that party’s percentage of fault, and permits nonparty allocation only through the statute’s pleading, identification, and proof steps. Ask how potential nonparty fault and any claim-specific exception affect the evaluation of your limit. 1

  • Construction Claims Use a Different Clock

    An action founded on design, planning, or construction of an improvement to real property generally must be brought within four years. The period runs from the earliest issuance of a temporary certificate of occupancy, certificate of occupancy, certificate of completion, or abandonment of unfinished construction. For a latent defect it runs from discovery or when due diligence should discover it, but no later than seven years after that same earliest certificate or abandonment date. Related counterclaims, cross-claims, or third-party claims arising from the conduct, transaction, or occurrence set out or attempted to be set out in a pleading may be commenced up to one year after that pleading is served. For construction under a duly issued building permit with one of the listed authority certificates, correcting or repairing completed work within the scope of both the permit and certificate does not extend the period. 2

Who Regulates Insurance in Florida

Florida Office of Insurance Regulation

The Florida Office of Insurance Regulation licenses and regulates insurance companies and reviews rates and forms. The Department of Financial Services separately licenses insurance agents and handles consumer insurance complaints; its resource page links to both state license searches. 4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 4.94% of gross premium plus a 0.03% FSLSO service fee for policies effective July 1, 2026 or later When Florida is the insured’s home state, Florida taxes the entire gross premium at 4.94%; the premium definition includes policy and similar insurance charges. The separate FSLSO service fee is 0.03% for policies effective July 1, 2026 or later. Surplus-lines policies do not receive Florida Insurance Guaranty Association protection. 7,8,9

Florida Surplus Lines Service Office

Providers With Documented State Licenses

These providers publish a national listing for General liability; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Florida. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. 12
  • ERGO NEXT InsuranceNext First Insurance Agency, Inc.Insurance producer · checked 2026-09-28ERGO NEXT’s current license table lists Next First Insurance Agency, Inc. in 50 jurisdictions, including Washington, DC; New York is excluded because its table rows name Next Insurance Services and AP Intego, not Next First. The table is company-reported; it does not establish product availability or provide state-regulator verification for each entry. 14
  • HiscoxHiscox Insurance Company Inc.Insurer · checked 2026-09-28Hiscox’s U.S. company information states that Hiscox Insurance Company Inc. is licensed in all 50 states and the District of Columbia. This is company-reported insurer authority for this entity and does not establish which company issues every Hiscox-branded product. 13
  • TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. 15
  • VouchVouch Specialty Insurance Services, LLCInsurance producer, Surplus-lines broker · checked 2026-09-28Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability. 16

Questions to Ask Before You Buy in Florida

  1. Did this cause accrue after March 24, 2023, and which transition rule in Chapter 2023-15 applies?
  2. If claimant fault is exactly 50%, or the claim involves medical negligence, how does §768.81 affect the evaluation?
  3. Is the allegation about an improvement to real property that uses §95.11(3)(b)’s separate dates and exceptions?

General Liability in Florida: FAQ

Can someone who is 50% at fault recover damages in Florida? 1

Yes. Section 768.81(6) bars recovery when a party is greater than 50% at fault, not when fault is exactly 50%. The threshold does not apply to personal-injury or wrongful-death medical-negligence actions under Chapter 766. 1

What is Florida’s deadline for a negligence claim? 2,3

Generally two years under §95.11(5)(a) for causes accruing after March 24, 2023, when Chapter 2023-15 took effect. Construction-improvement actions and other claim types have separate rules. 2,3

General Liability in Other States

Other Coverage in Florida

Sources

  1. 2026 Florida Statutes §768.81, Comparative fault. Florida Legislature; §768.81(1)–(6); history includes ch. 2023-15. Accessed 2026-09-28.
  2. 2026 Florida Statutes §95.11, Limitations. Florida Senate; 2026 §95.11(3)(b), including four-year ordinary period, earliest temporary/ordinary certificate or abandonment trigger, latent-defect discovery and seven-year outer limit; counterclaim and repair provisions. Accessed 2026-09-28.
  3. Chapter 2023-15, Laws of Florida (HB837). Florida Legislature; §§3, 28–31; approved/effective 2023-03-24; negligence-limit change applies to causes accruing after effective date. Accessed 2026-09-28.
  4. Florida Office of Insurance Regulation. Florida Office of Insurance Regulation; Official regulator homepage; insurer regulation. Accessed 2026-09-28.
  5. Resources. Florida Office of the Insurance Consumer Advocate; State page links to DFS agent search and OIR active company search. Accessed 2026-09-28.
  6. Get Insurance Help. Florida Department of Financial Services; Insurance concern and formal complaint intake; consumer helpline. Accessed 2026-09-28.
  7. Florida Statutes § 626.932: Surplus lines tax. Florida Legislature; 4.94% tax on gross premium; home-state taxation; statutory definition of premium. Accessed 2026-09-28.
  8. FSLSO Bulletin 2026-02. Florida Surplus Lines Service Office; Service-fee rate effective July 1, 2026: 0.03%. Accessed 2026-09-28.
  9. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  10. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  11. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  12. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  13. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  14. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  15. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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