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  Types and Sources of Insurance Coverage

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Most of personal injury claims involve auto accidents and are covered by car insurance coverage. However, there are other types of personal injury claims, such as slip and falls, premises liability, dog bites, medical malpractice, product defects, workers’ compensation, etc. There are different types of liability insurance which may cover such injuries, depending on the circumstances of the injury and where the injury occurred.  


Although not mandatory for businesses operating in Florida, most businesses carry General Liability Insurance (business or commercial insurance) which covers, among other things, bodily injury and property damage claims arising out of premises, operations, or products. Most business premises liability claims (slip and falls, faulty steps, obstructed walkways, inadequate lighting, etc.) are made against business liability insurance policies.


Workers Compensation Insurance is required for any Florida business with at least four full or part-time employees (partners and sole proprietors do not count as employees in Florida). For the construction industry, workers compensation is required for just one full or part-time employee. Different requirements apply to the agricultural industry. Florida also requires that businesses carry a commercial vehicle policy with minimum auto insurance if they use cars or trucks for the business.


Although not mandatory by Florida law, lending institutions generally homeowners' insurance if there is a mortgage. The homeowners’ insurance does not only cover structural property damage, it also covers personal injuries to guests invited to the property, such as slip and falls, dog bites, swimming pool accidents, etc. ​If you would like to have your case evaluated by an experienced Florida personal injury attorney, call our office now for a free non-obligation consultation. You owe us nothing unless we win your case, and in most cases we are able to substantially reduce our personal injury contingency fees to save you hundreds or even thousands of dollars.