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General liability insurance for your business.

Coverage for claims of injury or property damage tied to your premises, your products or your work. Tell us how the business runs and a licensed agent follows up.

Request a quoteWhat it covers

Or call (619) 382-3810, Monday to Friday, 8:30am to 5pm Pacific.

What it covers

What applies, and how much, depends on how your business actually runs.

  • Premises and operationsAccidental injury or property damage from a condition on your premises, or from your operations in progress, on or away from your premises.
  • ProductsInjury or property damage that arises out of goods your business makes, sells, handles or distributes.
  • Completed operationsInjury or property damage that arises out of work your business has finished.

FAQ

General liability, explained plainly

What does general liability insurance cover?

Commercial general liability is the standard liability policy for businesses. It has three main parts: premises liability, products liability and completed operations.

What does it pay for?

Damages the business is found liable for, up to the policy limits, plus attorneys’ fees and other defense costs. It also pays medical bills of people injured by the business or on its premises.

What isn’t covered?

Major exclusions include intentional injury, liquor liability, workers’ compensation and employer’s liability, pollution, and autos. Injured employees and business vehicles are handled by workers’ compensation and commercial auto.

How do the limits work?

The policy has separate limits for different kinds of claims, and an annual aggregate limit. Once total claims reach the aggregate, the policy pays no more claims for that period. Products and completed operations have their own aggregate.

How is general liability priced?

Your business is classified by what it does, and the rating can be based on square footage, payroll or gross sales, depending on the classification.

Sources: California Department of Insurance, Commercial Insurance Guide · Insurance Information Institute, small business insurance basics. Coverage, price and approval are decided by the insurance company.

What to have ready

  • What the business does and where it operates
  • Your annual payroll or gross sales, if you know them
  • What you have in place now, if anything

What happens next

  1. Tell us what you need. A few quick questions. It takes about two minutes.
  2. We review it. Someone licensed reads every request.
  3. We reach out. We talk it through with you. There is no obligation.
Request a quoteCall (619) 382-3810

Not sure which coverage you need?

Tell us how the business runs. A licensed agent works through which coverage belongs in the conversation.

Start the conversation

You may also need

  • If you request a quote, a licensed insurance agent may contact you.
  • Insurance: Coverage, price and approval are decided by the insurance company.