Protect your business from lawsuits and claims.
One lawsuit can shut down a small business. General liability insurance protects you against bodily injury claims, property damage, and legal fees — so one bad day does not end everything you built.
Same day certificates · CA Licensed · All industries
$39
per month
Rates for a small business — $1M coverage
Who needs general liability insurance.
If your business interacts with clients, customers, or the public in any way — you need general liability insurance.
What general liability covers.
A standard GL policy protects your business against the most common and costly claims.
Bodily Injury
If a customer or visitor is injured at your place of business or because of your work, GL covers their medical costs and your legal fees.
Included
Property Damage
If your business operations cause damage to someone else’s property — a client’s home, office, or equipment — GL covers the repair costs.
Included
Personal & Advertising Injury
Covers claims of libel, slander, copyright infringement, or false advertising made against your business.
Included
Products & Completed Operations
If a product you sell or a job you completed causes injury or damage after the fact, this coverage protects you from resulting claims.
Included
Legal Defense Costs
Even if a claim against you is false, legal defense is expensive. GL covers your attorney fees and court costs regardless of the outcome.
Included
Additional Insured
Many contracts require you to add clients or property owners as additional insureds on your policy. We issue these certificates immediately.
Available
Get your business covered today.
Industry, annual revenue, number of employees, and any prior claims history.
We find the best rates from carriers that specialize in your industry and business size.
We explain coverage limits, exclusions, and which policy best fits your contract requirements.
Once you choose your policy, we issue your certificate of insurance the same day so you can start or continue your work.
Real scenarios GL protects you from.
These happen to small businesses every day. Without GL, they can be devastating.
A plumber accidentally breaks a pipe causing $18,000 in water damage
Without GL, the plumber pays out of pocket. With GL, the carrier covers the damage and legal costs if the client sues.
A customer slips and falls in a store, suing for $75,000
Slip and fall claims are the most common GL claim. Without coverage, a single lawsuit can bankrupt a small business.
A cleaner accidentally damages a client’s antique furniture worth $8,000
Property damage claims happen constantly in service businesses. GL covers the replacement cost and keeps the client relationship intact.
A competitor claims your ad campaign used their copyrighted slogan
Advertising injury coverage protects you from copyright and defamation claims even if your business is entirely online.
Carriers we use for general liability.
We work with carriers that specialize in small and mid-size California businesses.
Travelers
Nationwide
Hiscox
Liberty Mutual
Markel
Philadelphia Insurance
Employers Holdings
Berkshire Hathaway
+ more
Common questions.
Most small businesses in California pay between $39 and $150 per month depending on industry, revenue, and coverage limits. High-risk industries like roofing or demolition pay more. We compare 40+ carriers to find your lowest rate.
The $1M/$2M limit means your policy pays up to $1 million per individual claim and up to $2 million total across all claims in a policy year. Most contracts require at least $1M per occurrence. We help you determine the right limits for your contracts.
Yes if you meet with clients, deliver products, or perform services at client locations. Your homeowner’s policy does not cover business-related claims. Even online businesses need protection against advertising injury and product liability.
Yes. Once your policy is active, we issue your certificate of insurance immediately. If a client or contractor needs to be added as an additional insured, we handle that the same day as well.
GL covers claims made by third parties — clients, customers, and the public. For injuries to your own employees, you need workers compensation insurance. We offer both and can bundle them for better rates.
Protect your business
starting today.
Same day certificate · 40+ carriers · All industries
Get my GL quote
CA Licensed · 6 languages · No obligation
Online · AI-powered
Hi! I am Alex. What would you like to insure today? I will find your best rate in 2 minutes.
English · Español · 中文 · हिन्दी · Tiếng Việt