General Liability Insurance

Protect Your Business From the Unexpected

Accidents happen—even in the most careful workplaces. When someone is injured on your property or a lawsuit lands at your door, General Liability Insurance helps cover the costs. At St. Andrews Insurance, we help business owners across Panama City, Santa Rosa Beach, and throughout Florida stay protected with clear, affordable coverage that fits their risk and budget.

Why Commercial Property Insurance Matters

Protection for Your Buildings and Beyond

Whether you run a small shop or a growing service business, you face daily risks. One slip, one customer dispute, or one damaged product could turn into a costly claim. General liability coverage helps protect your finances, your reputation, and your future.



For business owners in Panama City, FL, this policy is often the foundation of a smart business insurance portfolio—offering peace of mind without breaking the bank.

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What Commercial Property Insurance Covers

Bodily Injury

Covers injuries to non-employees that occur on your business property or as a result of your operations. If someone slips and falls at your storefront in Panama City, this coverage can help pay medical bills and protect your business from lawsuits.

Property Damage

Pays for accidental damage to someone else’s property caused by your business or employees. Essential for service providers and contractors, especially when working on client sites across Florida.

Personal & Advertising Injury

Covers claims of slander, libel, false advertising, or copyright infringement. Whether you're running print ads or managing social media, this protection helps shield your brand and your voice.

Legal Defense & Settlements

Pays attorney fees, court costs, and settlements related to covered claims. Even if the claim is unfounded, this coverage ensures you have experienced representation and financial backing when it matters most.

Medical Payments

Provides limited coverage for immediate medical expenses without determining fault.
This often helps resolve small incidents quickly and builds goodwill—especially in close-knit communities like Santa Rosa Beach.

Questions We Hear Most — With Answers

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  • Is general liability required in Florida?

    It’s not always legally required, but many landlords, clients, and contracts will require it. We can help you meet those requirements and protect your business at the same time.



  • Does this cover employees?

    No—employee injuries are covered under workers’ compensation insurance, not general liability. But we can bundle the right protections into a single package.


  • Can I combine this with other coverages?

    Absolutely. Many businesses bundle general liability with commercial property, business interruption, or auto insurance for broader, more cost-effective protection.

  • Does general liability insurance cover damage to my own business property?

    No—general liability only covers damage you cause to others. To protect your building, equipment, or inventory, you’ll need commercial property insurance. We can help you bundle both for broader protection.

  • Is general liability required by law in Florida?

    It’s not legally required for all businesses, but it’s often necessary to sign leases, work with clients, or secure contracts. Many vendors and landlords won’t work with uninsured businesses—having general liability shows you’re serious and responsible.

  • Does general liability insurance cover my employees?

    No—general liability doesn’t cover employee injuries or illnesses. For that, you’ll need workers’ compensation insurance, which is required for many Florida businesses. General liability is designed to protect against claims from third parties like customers, vendors, or the public.


Local Help, Real Answers

Let’s Build a Stronger Foundation

At St. Andrews Insurance, we make commercial property coverage simple and supportive. You’ll get one-on-one guidance, flexible options, and coverage you can count on when you need it most.

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