General Liability Insurance
Core protection every business needs
General Liability (GL) insurance protects your business against third-party claims of bodily injury, property damage, and advertising injury. It's the foundation of any business insurance program — and is frequently required by landlords, clients, and contracts.
What's Covered
What this policy covers
- Third-party bodily injury (customer slip-and-fall, visitor injuries)
- Third-party property damage (you accidentally damage a client's property)
- Products & completed operations liability
- Personal & advertising injury (defamation, copyright in your ads)
- Legal defense costs — attorney fees and court costs
Who Needs It
Is this coverage right for you?
- Every business — most landlords and clients require proof of GL
- Contractors and tradespeople (required by contract on most jobs)
- Retail stores and restaurants (high public foot traffic)
- Professionals who visit client sites or host customers
- Anyone with a physical location open to the public
FAQ
Common questions about General Liability
What is an occurrence vs. aggregate limit?
The occurrence limit ($1M) is the max your policy pays for a single claim. The aggregate ($2M) is the max for all claims in a policy year. A "1M/2M" policy is the standard starting point for most small businesses.
Does GL cover employee injuries?
No. Employee injuries are covered by Workers' Compensation, which is a separate mandatory policy in California.
What is an Additional Insured endorsement?
An AI endorsement adds another party (landlord, general contractor, client) to your policy so they're protected from claims arising from your work. Clients frequently require this on contracts.
Can I get a Certificate of Insurance same day?
Yes. Once bound, we issue Certificates of Insurance (ACORD 25) the same day through our online portal.
Ready to get General Liability coverage?
We'll find the right carrier and limits for your specific situation — same-day quotes for most accounts.