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General Liability Policy

Small businesses, contracting, and construction business owners rely on adequate General Liability Insurance to safeguard their business against the mounting risks of potential lawsuits over accidents, injuries, and illnesses ? especially in today's litigious environment.

For a contractor or construction business, General Liability Insurance offers the peace of mind that their contracting or construction business will have the necessary funds to continue daily operations ? even when faced with a costly claim. General Liability Insurance covers the legal fees that can easily bankrupt a small contracting or construction business, such as the cost of attorney fees, witness fees, court expenses, and more. After a lawsuit, General Liability for construction and contracting businesses can be the difference between never opening your business doors again and weathering the storm still on your feet.

Who Needs General Liability Insurance?

General liability insurance, or GL, is a fundamental part of contractors insurance. It could provide protection against lawsuits and other financial liabilities that result from things like accidents or other mishaps.

As a contractor or small business owner, you need some form of general liability insurance to safeguard your livelihood. A single accident could result in a lawsuit that you might not be able to handle. A great way to protect against this type of situation is to make sure you carry enough general liability insurance. Some employers might also require you to carry a certain amount of general liability insurance before you can work for them.

General Liability Insurance for Construction and Contracting Businesses

As you consider your coverage needs, it's helpful to know the kind of claims General Liability Insurance safeguards your contracting or construction business against ? and what it doesn't. Take a look at the types of third-party claims typically covered by General Liability Insurance for contractors, and be sure to ask your us about the policies that fit your business needs.
  • Bodily Injury Claims: In the event of an accident on your business premises, these policies pay for medical expenses, funeral expenses, and court-awarded compensation if a third party's injury results in death.
  • Property Damage Claims: General Liability Insurance protects your contracting or construction business against the high cost of a lawsuit if someone alleges that your business damaged their property or that your business is responsible for their inability to use that property.
  • Completed Products Claims: General Liability Insurance policies can protect your construction or contracting business against claims related to the services you've completed and the products you've produced.
  • Personal and Advertising Injury Claims: If you advertise for your contracting or construction business, you may want to consider a General Liability policy that covers copying another party's advertising or infringing on copyrights or brands.
  • Medical Expenses Claims: Should an accident happen on your business premises to someone who is not employed by your contracting or construction business, General Liability Insurance covers the expense of the injured person's medical attention.

Insurance for Your Construction Business

Classes Written
  • A/C and Refrigeration
  • Air Conditioning Systems Installation
  • Appliance and Accessories Installation
  • Carpentry (Interior/Woodwork/Shop)
  • Concrete (Flat)
  • Concrete (Foundations)
  • Debris Removal - Demo work is allowed with a Bobcat or similar machinery
  • Door & Window Installation
  • Drywall
  • Fencing
  • Floor Covering Installation
  • Garage Door Installation
  • Glass Installation/Glazing
  • HVAC
  • Janitorial
  • Landscaping
  • Handyman
  • Masonry
  • Painting Interior/Exterior
  • Sheet Metal
  • Siding and Decking
  • Tile and Marble Installation
  • General Contractor
  • Water Drilling
  • Grading
  • Metal Erection
  • Insulation
  • Water/Sewer Mains
  • Septic Install
  • Plumbing
  • Prefabricated Homes

Additional Coverage Options / Endorsements
  • Blanket Per Project Aggregate
  • Blanket Additional Insured ? Completed Operations / CG2037 Equivalent
  • Blanket Your Work ? 1185 Equivalent (Commercial Work Only)
  • Blanket Waiver of Subrogation
  • Blanket Primary/Non-Contributory Wording
  • Buildings and Structures Exceeding 3 Stories (Exterior)
  • Schools & Recreation Facilities
  • Heating Devices
  • Hospital Work
  • Additional Insured Endorsements for HOAs

Insurance Types for Contractors

We offer contractor policies for every type of project
  • Property
  • Builders Risk Insurance and Course of Construction
  • Liability Insurance
  • General Liability Insurance
  • Contractor Insurance
  • Commercial Auto
  • Umbrella
  • Workers' Compensation
  • Railroad Protective
  • Equipment Insurance
  • Contractor Bond

In Summary

Businesses operating in construction and development trades need to protect themselves against everything from liability claims to construction defect lawsuits. There are specific policies that will cater directly to the needs of these parties and it?s essential for contractors to find the right ones for their enterprise.

Contractors general liability insurance is a critical coverage for all professional contractors. Builders and developers need to be diligent about many issues, including that their structures are sturdy and that all individuals on the premises stay safe.

Benefits of General Liability, Infographic

Commercial General Liability Insurance: How To Protect Your Business

If you happen to be liable at a certain point in time for various kinds of personal injury or property damage, a Commercial General Liability (CGL) policy will prove to be very useful, whether the damage was caused by services, employees or business operations.

A lawsuit can have devastating effects for the evolution of a business if you have no proper insurance. Also, it is worth mentioning that they aren't really rare and any mistake can get a business sued. Therefore it is important to know the key facts about this type of coverage.

What will the CGL cover?

The costs of legal defense in case of a lawsuit the damages that you will be regarded to be responsible for. Still, keep in mind that any policy has a certain limit. The policy will only cover up the costs up until that certain limit.

How to purchase it?

One can get it as part of a CPP (Commercial Package Policy), BOP (Business Owners Policy) or stand-alone. If you are not sure about the coverage you need, discuss with an insurance expert.

Here are some examples of scenarios when the Commercial General Liability policy will come in handy:

Employee negligence - one employee leaves the water running and causes damage to a client's property

Misleading advertisements - if someone believes that you might be promoting false information, this can get to a lawsuit a client slips and falls on your business property when coming to discuss with a representative

Types of Coverage for standard Commercial General Liability

  • Bodily Injury and Property Damage
    Negligent acts can easily lead to such unpleasant situations, and, consequently to lawsuits too. People are usually very unapologetic when it comes to such scenarios and will file lawsuits that have the potential to wreck a business in no time.

    Remember that emotional distress and mental injury are regarded to be "bodily injuries" as well, even if there are no literal traces of physical harm. The coverage extends to the business premises.

    Talk to an insurance professional about your particular business. A high risk business should take into account getting a separate liability policy. Risks such as liquor liability, workers compensation and employment practices are excluded but can be bought separately.

  • Personal and Advertising Injury
    This includes offenses like false arrest, copyright infringement, invasion of privacy or libel.

  • Medical Payments
    The policy will pay all the expenses for medical services. Coverage is offered on a no-fault basis. It has to do with injuries caused by accidents that have to do with the business, whether it happens on the premises or they are triggered by operations.

    What Is The General Liability Insurance?

    If you own a business, you shouldn't argue when it comes to the necessity of getting General Liability Insurance. It is really pointless to do so as any business needs it for its own good. And that applies even if you just own a small one, which doesn't even dream of competing with the top players in a certain domain.

    You might be wondering what kind of policy to get first for your business. This is exactly the role of the General Liability Insurance. If you had to pick a first and main policy, this is the one that we are talking about.

    Apart from providing protection for your business, which will translate in different coverage costs, it will also bring along something priceless: your peace of mind. You really can't put a price on knowing that you did your best to keep your business out of harm's way. Your hard work might turn to dust if someone falls and gets injured on your business premises and then you get sued.

    So what is the general liability insurance and what does it do?

    As a business owner, it is natural to interact with various kinds of people that you have business relationships with. They can be employees, collaborators, business partners, customers or vendors.

    It is not unheard of for people who simply visited a business property to get injured and then to file a lawsuit against the company. As a matter of fact, this happens pretty frequently. General Liability Insurance can protect you from this kind of unpleasant events that can get your business down south quick.

    The policy will provide you coverage in cases of bodily injury or property damage that had to do with your business operations. It is a basic business policy that anyone should get in order to safeguard the company.

    General Liability Insurance is also known as "Commercial Liability Insurance" or "Business Liability Insurance". Regardless of the term used for it, it is essential to have it if you don't want to ruin your budget when the business will get sued.

    Take into account the fact that the policy will also cover legal defense fees, property damage for rented properties or copyright infringement. Misleading advertising is a big problem for some. The insurance can take care of false advertising claim costs as well.


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    La Mesa, CA 91942

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