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Are you searching for a liability insurance quote in Tampa, FL? Since opening our first office in 1974, Odiorne Insurance has been recognized as a local Tampa FL, leading insurance provider.

As a Tampa, FL  Independent Agency, we represent many insurance carriers. This allows us to better assist you with a wide variety of programs that are specifically designed to meet your needs.

Let our professional service, and special attention to your needs show you the reason why, "your local agent does make a difference."



If you live in the nearby community of Brandon, Clearwater, St Petersburg, Seffner, Valrico, Fish Hawk Ranch, River Hills, Bloomingdale, Lithia, Riverview, Summerfield, SunCity, Ruskin, Wimauma, or Plant City, we would love to hear from you. We're here to serve you and your free insurance evaluation and estimate is only a click or call away.

You can always expect to receive amazing service at the best prices, there is no reason to delay. Let's start your liability insurance quote for Tampa, FL today.

With almost 40 years experience, we have seen, heard and insured just about every situation you can imagine. Call us today or begin your free, no obligation insurance estimate online for Tampa, FL right now.

Liability insurance is a part of the general insurance system of risk financing to protect the purchaser (the "insured") from the risks of liabilities imposed by lawsuits and similar claims. It protects the insured in the event he or she is sued for claims that come within the coverage of the insurance policy. Originally, individuals or companies that faced a common peril, formed a group and created a self-help fund out of which to pay compensation should any member incur loss (in other words, a mutual insurance arrangement). The modern system relies on dedicated carriers, usually for-profit, to offer protection against specified perils in consideration of a premium. Liability insurance is designed to offer specific protection against third party insurance claims, i.e., payment is not typically made to the insured, but rather to someone suffering loss who is not a party to the insurance contract. In general, damage caused intentionally as well as contractual liability are not covered under liability insurance policies. When a claim is made, the insurance carrier has the duty (and right) to defend the insured. The legal costs of a defense normally do not affect policy limits unless the policy expressly states otherwise; this default rule is useful because defense costs tend to soar when cases go to trial.