Overview of General Liability Insurance
General liability insurance covers claims from people outside your business for bodily injury, property damage you cause, and personal and advertising injury, along with the legal defense costs to respond to them. It does not cover your professional mistakes or employee injuries, which fall under professional liability and workers’ compensation. California contracts often require it before work begins.
General liability is the foundation most California businesses build on. It responds when someone outside your business gets hurt or has their property damaged, and it typically stands between a routine accident and a claim that could threaten what you have built.
What is covered by General Liability Insurance?
What does General Liability cover?
- Third-party bodily injury, such as a customer who slips in your space.
- Third-party property damage you cause during your work.
- Personal and advertising injury, including certain libel, slander, and copyright claims.
- Legal defense costs, which often apply even when a claim is disputed.
- Medical payments for minor third-party injuries.
Things to know about your general liability policy
Why General Liability Insurance is important
California clients and property managers frequently ask for a certificate of insurance and additional insured status before work begins. We can help you issue certificates and add the parties your contracts require.
Who needs General Liability Insurance?
Retailers, contractors, consultants, restaurants, and office-based businesses all typically carry it. Landlords, clients, and venues often require it before you can sign a lease, win a contract, or work on a job site.
How to get General Liability Insurance?
Tell us about your business and how you operate. We review your risks and options with you, explain what general liability does and does not cover in plain English, and help you put the right limits in place. If subcontractors are part of your operation, we recommend you consider requiring their own coverage. At renewal we stay with you, and if a claim happens, we advocate for you through the process.
Start Your General Liability Insurance Quote
Schneiderman Insurance Agency makes the process of finding General Liability insurance convenient for you. Tell us about your situation, we review your risks and options with you, we help you put the right coverage in place, and we stay with you at renewal.
