For business owners in today's struggling economy, simply running the day-to-day operations and enticing money-conscious consumers to their shops consumes a significant amount of their focus. However, prudent business owners recognize that protecting their revenue stream is as important as creating it. Along with aggressive marketing and advertising campaigns, a critical component of any business plan should be securing appropriate commercial general liability insurance (CGL). 

CGL coverage in a commercial setting protects a business owner when someone is injured or property is damaged on the premises of the insured business. For the coverage to apply, the injury must be the result of negligence or an error or omission of a duty on the part of the business. It is important to point out that CGL applies not just to traditional storefront businesses, both large and small, but also to entities such as landlords and condominium associations—a significant market in Florida.

Patti Generale, owner of the Patti Generale Insurance Agency in Cocoa, emphasizes to her clients that the cost is low when compared to the risks it protects them against.