Protect your California business from lawsuits, claims, and unexpected liabilities with comprehensive general liability insurance coverage.
Business liability insurance is fundamental protection for any business operating in California. It shields your company from financial losses due to third-party claims of bodily injury, property damage, and personal injury that could arise from your business operations.
In California's litigious business environment, even small businesses face significant liability risks. A single lawsuit can devastate a business financially, making liability insurance not just advisable but essential for business survival. Whether you're a sole proprietor, partnership, LLC, or corporation, liability insurance protects your business assets and personal finances.
Our business liability insurance policies are designed to meet the unique needs of California businesses across all industries. From retail stores and restaurants to professional services and manufacturing companies, we provide comprehensive coverage that protects against the most common liability risks businesses face today.
Accidents happen, and when they do, your business could be held responsible for damages. Without liability insurance, you'd have to pay legal fees, settlements, and judgments out of pocket, which could bankrupt your business. Liability insurance provides both financial protection and legal defense coverage.
Comprehensive protection against common business risks
Covers medical expenses, lost wages, and pain and suffering when someone is injured on your business premises or due to your business operations.
Covers damage to third-party property caused by your business operations, products, or employees.
Protects against claims of libel, slander, copyright infringement, and other personal injury claims related to your advertising or business communications.
Covers attorney fees, court costs, and other legal expenses to defend your business against covered liability claims, even if the claims are groundless.
Covers claims arising from products you manufacture, distribute, or sell that cause injury or property damage to third parties.
Covers liability claims that arise after you've completed work or delivered products, protecting against future claims related to past work.
Understanding liability risks by business type
Slip and fall accidents, product liability claims, customer injuries, and property damage from defective products.
Food poisoning claims, slip and fall accidents, burns from hot surfaces, and liquor liability issues.
Property damage during work, injuries to third parties, completed operations claims, and equipment-related accidents.
Client injuries at your office, data breaches, copyright infringement, and advertising injury claims.
Product liability claims, workplace visitor injuries, environmental damage, and distribution-related issues.
Cargo damage, loading/unloading injuries, third-party property damage, and pollution liability.
Choosing the right amount of protection for your business
Maximum amount paid for a single claim or incident
Maximum amount paid for all claims during the policy period
Consider your industry risk level, business size, asset value, and contractual requirements when selecting coverage limits. Higher-risk businesses typically need higher limits.
Enhance your protection with optional coverages
Additional liability coverage that sits above your primary policy, providing extra protection for catastrophic claims
Essential for businesses that serve alcohol, covering claims related to intoxicated customers
Protection against data breaches, cyber attacks, and privacy violations in our digital business environment
Covers claims of discrimination, harassment, wrongful termination, and other employment-related issues
Protects company executives and board members from personal liability for management decisions
Coverage for environmental damage and cleanup costs from pollution incidents
Don't risk your business's future. Get comprehensive liability insurance and protect against unexpected claims and lawsuits.