General Liability
Core general liability insurance protecting your Florida business against third-party bodily injury, property damage, and personal or advertising injury claims arising from your operations or premises.
Florida businesses face unique risks — from hurricane-related property disputes to high-traffic premises claims in tourist-heavy markets. Soma's general liability insurance solutions protect your business against third-party bodily injury, property damage, and advertising injury claims. Whether you're a contractor in Miami or a retailer in Orlando, we find the right coverage fast, at the right price, even for hard-to-insure operations.
Comprehensive general liability coverage solutions tailored to protect Florida businesses of every size and industry.
Core general liability insurance protecting your Florida business against third-party bodily injury, property damage, and personal or advertising injury claims arising from your operations or premises.
Protect your business premises, equipment, and assets with commercial property coverage — critical for Florida businesses exposed to storm damage, flooding, and coastal weather events.
Errors and omissions coverage for service-based Florida businesses. Guards against claims of negligent advice, missed deliverables, or professional mistakes that result in client financial loss.
Soma's expert Risk Management Team analyzes your specific business operations, identifies liability exposures, and secures the right coverage at the right price through a seamless, fast-turnaround process.
One application delivers customized general liability quotes for retail, hospitality, construction, healthcare, tech, and more — tailored to the operational risks unique to your Florida-based business.
Protect your Florida business from data breaches, ransomware, and cyber incidents with coverage that addresses regulatory defense, customer notification costs, and business interruption from cyber events.
Florida's diverse business environment — from South Beach hospitality venues to Tampa construction firms — demands general liability coverage that's both thorough and fast to obtain. Soma replaces the slow, broker-heavy process with a smarter approach: one application, hundreds of carrier partners including Chubb, Nationwide, and Liberty Mutual, and a Risk Management Team that understands Florida's unique regulatory landscape and liability exposure. We specialize in placing coverage that others won't, including hard-to-insure businesses across every industry category.
See how Florida businesses across industries secured the right general liability coverage through Soma.
Soma combines deep carrier relationships with an expert risk management team to deliver fast, affordable, and complete GL coverage for Florida businesses.
Access to hundreds of carrier partners means competitive GL rates for Florida businesses of all types, including hard-to-place risks.
No waiting weeks for quotes. Soma's streamlined process delivers coverage placements fast — critical when Florida contracts require immediate proof of insurance.
Our Risk Management specialists understand Florida's liability environment, from hurricane-related claims to high-footfall premises exposures in tourist-heavy areas.
A single application covers your general liability needs across all industries, eliminating redundant paperwork and accelerating your path to coverage.
Specialists dedicated to protecting Florida businesses with the right coverage.
Soma is the fastest and most reliable insurance brokerage for complex and hard-to-insure businesses across all industries. Built around the belief that business insurance should be complete, fast, and affordable, Soma's Risk Management Team has processed thousands of businesses — taking time to understand each operation before acting quickly to place coverage at the right price. In Florida's high-risk, high-growth business landscape, where liability exposures range from coastal construction projects to high-occupancy hospitality venues, Soma's specialist approach and deep carrier relationships ensure that even the most complex Florida businesses get the protection they need through a single, seamless experience.
A $1,000,000 general liability policy typically costs between $400 and $1,500 per year for most small businesses, depending on industry, revenue, number of employees, and claims history. High-risk industries like construction or hospitality in Florida may pay more. Soma's team shops hundreds of carriers to find the most competitive rate for your specific business profile.
Talk to a Soma specialist for a fast, no-obligation consultation tailored to your Florida business.
Authorized to place coverage through Chubb, a global leader in commercial insurance.
Approved partner of Liberty Mutual for business liability and commercial coverage.
Accredited by the Better Business Bureau for trust and service excellence.
Complete the form below and a Soma Risk Management specialist will reach out to discuss your Florida business's coverage needs and deliver a fast, competitive general liability quote.