If you own a business in Miramar, Florida, general liability insurance is one of the smartest investments you can make to safeguard your finances. This essential coverage can help protect your business from the unexpected costs of injuries on your property, damage to someone else’s property and claims of slander, libel or false advertising.

At Tanenbaum Harber Insurance Group, we’re committed to creating innovative solutions that help our clients protect their assets, support their workforce and strengthen their bottom line.

Who Should Have General Liability Insurance?

This insurance is crucial for almost any business, big or small. It’s beneficial for the following:

• Small business owners

• Contractors and construction companies

• Retail stores and shops

• Manufacturers

• Tech companies

• Event planners

• Landlords

• Consultants and freelancers

• Transportation and logistics companies

• Professional service providers (like marketing or design firms)

What’s Not Covered?

General liability insurance may offer broad coverage but excludes several key risks. It doesn’t cover intentional harm, illegal acts, professional errors, employee injuries, pollution, product recalls, employment-related issues or cyber incidents. To ensure full protection, businesses often need additional, specialized policies.

How to Save Money on Your Policy

To help reduce your insurance costs, consider training your employees and following safety best practices to minimize risks. Managing risks effectively can also help you avoid frequent claims. If it’s financially feasible, raising your deductible may lower your premiums. Bundling policies like property and liability insurance can often lead to discounts. Joining industry associations that may offer group rates is another way to save.

Also, maintaining good credit and a clean claims history can positively impact your rates. Finally, regularly reviewing your policy with an insurance expert ensures it continues to meet your needs.

Get a Quote Today

If you want to protect your business with general liability insurance, consider Tanenbaum Harber Insurance Group in Miramar, Florida, for a personalized quote and the right coverage for your business. Contact us today to learn more.