Email Address [email protected]
Phone Number 877-893-7629
Office Base Irvine, California
Email Address [email protected]
Phone Number 877-893-7629
Home Base Irvine, California

General Liability Insurance

Call for a Quote 877-893-7629

What is General Liability Insurance?

General liability insurance often called business liability insurance and commercial liability insurance provides coverage for your business against claims of:

  • bodily injury
  • property damage
  • personal and advertising injury
  • medical expenses

Why you need General Liability Insurance

General liability (GL) insurance (also known as small business liability insurance or commercial liability insurance) gives you the peace-of-mind that your business assets are protected against risks or unforeseen events. If a third-party alleges property damage, injury, or bodily harm, you won’t have to worry about your construction business assets being depleted by medical bills, court costs, settlements, or judgements.

In the high-risk construction industry, safety and protection are part of the job. General liability insurance is one way you can protect your business and keep your assets where you want them. You work hard to build your business. General liability insurance works hard to protect it.

This section explains what our business general liability insurance offers. You should consider general liability insurance coverage if you or your employees:

  • Interact with clients face to face – If you visit a client’s place of work, or clients visit yours
  • Have access to a customer’s property
    • If a customer’s home or property is damaged, GL could cover the cost to repair or replace it.
  • Are required to have general liability insurance before entering into a contract

General Liability Insurance policy coverage

What is covered?

  • Bodily Injury
  • Damage to third party property
  • Advertising injury
  • Medical expenses
  • Defence costs (On Covered Claims)
  • Actions of your employees

What is not covered?

  • Your property injury to you or your employees
  • Professional services
  • Workers compensation
  • Intent to injure
  • Coverage outside the policy period
  • Known claims prior to the start of the policy

General Liability Insurance coverage does vary by Profession, Location and Limits

    The location and business trade plays a factor in the cost of your general liability policy. If you do business in an area where the risk is greater, you may be able to manage your costs by adjusting your limits to reflect your actual need. For example, a roofing company will do higher-risk projects than say a handyman. Quotes will vary by business depending on the trade, the size of the business, the state your business is located in, and the limits/deductibles selected.

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