Did Florida’s tort reform eliminate the need for liability insurance? 

No. House Bill 837 narrowed some claims and shortened filing deadlines. Lawsuits still happen, and defending one is expensive even when you win. Liability insurance in Florida remains the backbone of small business protection. 

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.