You have Florida business insurance, but what about public liability insurance?

Does your business involve having clientele or members of the public on your business property? If you have a retail business, it certainly will. But many other businesses also involve having people other than staff on the premises.

An important component of Florida business insurance is the part that covers you for any accidents, injury or death of a person who is not on your staff but who is on your property.

Should someone visiting your business as a client, customer or consultant suffer any kind of injury on your property, you may be liable. There have been many stories about people suing shops and other venues for injuries and damages suffered due to an accident. We’re all familiar with the scenario of the fall due to slipping on a banana peel. It might look funny on a cartoon, but if it happens to someone at your business, the financial and legal consequences for you will not be even remotely amusing. We’ve all heard of fraudulent “slip and trip” cases.

You can put every safeguard in place to make sure that you have a safe environment for visitors to be in, but at the end of the day, you simply can’t guard against accidents. They DO happen. That’s why you put that other safeguard in place – your public liability insurance. 

In the event that something does happen to a customer, client, consultant or other visitor to your business, the public liability component of Florida business insurance is designed to cover you against the medical and legal costs of accidents.