General Liability Insurance California

Our General Liability Insurance Services are specifically designed to meetthe needs of California Small Businesses. Connect with professional agent to get a quote.

What is General Liability Insurance?

General Liability Insurance is a type of insurance policy that provides protection for businesses against claims of property damage, bodily injury, and other third-party claims. This type of insurance is essential for businesses in California, where liability laws are among the most comprehensive and strict in the country. General Liability Insurance can help cover the costs of legal fees, settlements, and judgments resulting from covered claims.
Additionally, it can provide coverage for incidents that occur on a business’s property or as a result of their operations. Working with a trusted insurance provider can help businesses assess their specific risks and tailor their General Liability coverage to meet their needs, ensuring that they have the protection they need to thrive.
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General Liability Insurance

What Are The Coverage of General Liability Insurance in California for 2023

General Liability Insurance can provide coverage for a wide range of claims and incidents that can occur in the course of a business’s operations. Here are some of the different types of coverage that may be included in a General Liability Insurance policy:

Bodily injury and property damage liability

This coverage can protect against claims resulting from physical harm or damage caused by the business’s operations or products.

Personal and advertising injury

This coverage can protect against claims of libel, slander, copyright infringement, and other related claims.

Medical payments

This coverage can provide for medical expenses incurred by a person who is injured on the business’s premises or as a result of the business’s operations.

Products liability

Products liability coverage can protect against claims arising from the use of the business’s products.

Completed operations

This coverage can protect against claims arising from work that the business has completed.

Fire damage liability

This coverage can protect against claims resulting from damage caused by a fire on the business’s premises.

Legal defense costs

This coverage can provide for legal defense costs incurred by the business in the event of a covered claim.

Liquor liability (in some cases)

Liquor liability coverage can protect against claims arising from the sale or service of alcohol.

General Liability Insurance

What are the Business Owners Insurance Policy Coverage?

The cost of General Liability Insurance can vary widely depending on several factors, including the size of the business, the industry it operates in, the level of risk associated with its operations, and the coverage limits and deductibles chosen. Generally, the cost of General Liability Insurance for small businesses in California can range from a few hundred dollars to several thousand dollars per year. Businesses can work with their insurance provider to assess their specific risks and tailor their coverage to meet their needs while staying within their budget.
While the cost of General Liability Insurance may seem high, it can provide essential protection against costly legal fees, settlements, and judgments resulting from third-party claims. Ultimately, investing in General Liability Insurance can help businesses protect their assets and reputation while providing peace of mind.
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Common Question About General Liability Insurance
You Ask, We Answer
Businesses need General Liability Insurance because accidents, injuries, and property damage can happen unexpectedly. It helps protect businesses from the financial burden of costly lawsuits and claims. Additionally, contracts, landlords, or licensing boards often require General Liability Insurance.
Yes, General Liability Insurance covers legal defense costs in lawsuits related to covered claims. It can help pay for attorney fees, court costs, settlement negotiations, and judgments up to the policy limits.
The cost of General Liability Insurance can depend on several factors, including the size and nature of the business, industry, location, annual revenue, claims history, and coverage limits desired. Higher-risk businesses or those with a claims history may typically have higher premiums.
No, General Liability Insurance typically does not cover professional services or errors and omissions related to professional advice. Professional Liability Insurance (Errors and Omissions Insurance) is a separate type of coverage designed for such risks.
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