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BenefitSource Insurance Services, Inc.

28 Argonaut, Suite 100
Aliso Viejo, CA 85254

General Liability Insurance in California

In today’s litigious society, even small mishaps can result in large lawsuits. That’s why general liability insurance, along with property and worker’s compensation insurance, is essential for most companies. Liability insurance protects the assets of a business when it is sued for something it did (or didn’t do) to cause an injury or property damage.

General liability insurance can be purchased separately or as part of a business-owner’s policy (BOP). A BOP bundles property and liability insurance into one policy. However, the liability coverage limits are generally pretty low. Businesses that need more coverage usually purchase liability insurance as a separate policy.

At BenefitSource, we'll analyze your coverage needs and assemble a policy with all the comprehensive coverage you need.

Understanding General Liability Insurance

General Liability Insurance provides protection in the event of a lawsuit against your company for bodily injury, property damage, personal injury, and advertising injury (damage from slander or false advertising). Most policies will cover:

  • Legal Fees
  • Court Costs
  • Compensatory and General Damages

General liability insurance policies have a maximum amount that the insurance carrier will pay during the policy period. Often, the policy will also state a maximum amount per occurrence. There are exceptions to the coverage, so be sure to consult your insurance professional for a full understanding of your policy. For additional coverage, many companies purchase an additional layer of protection with Umbrella Liability Insurance.

Determining Your General Liability Insurance Needs

There are two significant factors to consider when determining the amount of coverage you need:

  • Perceived Risk - Business owners should first consider the amount of risk associated with their business. For instance, a business that manufacturers heavy machinery is at greater risk of being sued than a business that manufactures linens.
  • The State In Which You Operate - Businesses that operate in states with a history of awarding high damage amounts to plaintiffs typically need to carry liability coverage with higher limits.

Ask Your Insurance Professional

Your BenefitSource Insurance Professional will provide you with guidance and help you find the right general liability insurance coverage for your specific needs.

Be Insurance minded. Contact BenefitSource today and we'll shop the top insurance carriers to assemble a policy with the right amount of coverage for the price you deserve.

To get started Email Us today or call us at (877) 215-5431.

Get a General Liability Insurance Quote