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California General Liability Insurance

More than 99% of businesses in California are considered to be small businesses. When you’re first starting a company, there are many moving parts that you’ll need to keep track of. Among the most important aspects of starting a business is having the right amount of insurance coverage that will protect you and your company in the event that a lawsuit is filed against you. Keep in mind that not every insurance policy and company are the same, which is why it’s highly recommended that you do your research before selecting your preferred provider and policy.

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What is Small Business General Liability Insurance?

General liability insurance is designed to cover various business risks, which can include advertising injury, customer property damage, and customer injury. Let’s say that a customer becomes injured while shopping in your store or attending a business meeting as a client. In these situations, it’s possible that the customer would want to file a lawsuit to receive compensation for their injuries.

If you don’t have general liability insurance, your business could be tasked with paying an ample sum of legal expenses as well as a certain amount of compensation in the event that the injured customer wins the case. All of this money would essentially come out of your own pocket, which is something that most small businesses simply can’t afford. General liability insurance protects your business from high costs associated with lawsuits while also making it easier to qualify for contracts and leases.

Types of Business Liability Insurance in California

While there are numerous ways that you can obtain liability insurance in California, the primary type of insurance policy that will provide you with enough general liability coverage is a California business owner’s policy. A California business owner’s policy offers several different types of coverage under one policy. The types of coverage you’ll receive include general liability insurance, business income insurance, and commercial property insurance.

When you obtain a business owner’s policy, your business will be protected from a wide range of legal claims. The commercial property insurance provided through this policy will protect the building that your business operates out of along with the equipment your company uses. As for business income insurance, it allows you to replace lost income if your company is unable to open as a result of property damage from wind, a fire, or theft.

What Does General Liability Insurance Cover?

General liability insurance can provide your company with coverage for standard liability claims from various third parties. If an individual sues over an advertising injury, bodily injury, or property damage, legal defense costs will be covered with general liability insurance. Along with any court-ordered settlement, the policy you obtain should also cover the costs associated with hiring a lawyer.

How Much Does Business Liability Insurance Cost?

The total cost you pay for business liability insurance depends on numerous factors, which include:

  • Your location
  • How many employees you have
  • Industry factors
  • Risk factors
  • Amount of coverage you receive

Who We Serve

  • Hospitality Linens Distributors
  • Couriers
  • Mobile Mechanics
  • Building Inspectors
  • Carpet & Upholstery Cleaning Services
  • Housekeeping Services
  • Florists
  • Food and Beverage Distributors
  • General Contractors
  • Plumbing & A/C Contractors
  • Garage Door Companies
  • Locksmiths
  • Hair/Nail Salons
  • Pet Groomers
  • Coffee Shops
  • And Much More…

Need Liability Insurance?

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