General Liability Insurance California

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Does your business have enough general liability coverage?

It is important as an insurance broker / agent that we ask all of the needed questions to learn as much as we can about your business.  By asking you questions it helps us evaluate if the typical General liability coverage of $1,000,000/2,000,000/1,000,000 will be enough to protect your business.  For some businesses purchasing an umbrella policy in additional to purchasing a General liability policy may be needed.  I always recommend that you try and make your insurance agent a business partner in respects that we understand what you believe is your greatest risk exposure.  However, we should also know the things that you feel are your smallest risk exposure as well.  What you might believe is a small risk exposure, we might have a different perspective on the issue based on previous claims we have dealt with.

Which insurance carrier provides the broadest general liability coverage?

It is important to know which insurance market your business falls into before you shop for general liability insurance. Those businesses that fall into the “excess surplus market” (i.e. “dangerous” occupations such as roofers, framers, etc.) have to purchase their general liability insurance through an excess surplus lines market. If your business falls into the “standard market” (i.e. technology companies, lawyers, retail stores etc.) then you qualify for general liability insurance policy that will provide broader coverage at an affordable price.

General liability insurance protects your business from a variety of things.  In general terms it protects your company from third party losses associated with your company operations.  Typically, your insurance agent can create a customized policy for you to include different types and amounts of coverage. The following coverage is often included in most general liability insurance policy:

  • Business Personal Property (BPP)
  • Protection of your business’ property from:
    • Fire
    • Theft
    • Vandalism
  • Claims due to:
    • Bodily injury
    • Property Damage
    • On-going Operations
    • Completed Operations
  • Terrorism coverage
  • And more….

General Liability insurance protects a business from many liability issues, but business owners should also consider adding specialized liability coverage like errors & omissions insurance.  There are many exposures that your business may have that fall outside the normal coverage of a general liability policy that an errors & omissions policy will help protect your business from.

Contact Integrity Now Insurance Brokers for information on all of the business insurance lines we offer and a free quote for Orange County & Los Angeles California general liability insurance.

Integrity Now Insurance Brokers, Inc. is a multi-line insurance agency, providing personalized insurance coverage for families and businesses, throughout Orange County, California, Riverside County, California, San Bernardino County, California and the cities of Orange, Santa Ana, Anaheim, Garden Grove and Fullerton, Riverside, Huntington Beach, Long Beach, Downey, Carson, Brea, Agroua Hills, Pasadena, San Diego, Costa Mesa, Irvine, Corona, Cypress, Newport Beach, San Jose, Anaheim, Chula Vista, Fontana, Glendale, Santa Clarita, Oceanside, Ontario, Rancho Cucamonga, Pomona, Torrance, West Covina, Norwalk, Carlsbad, Burbank, Temecula, El Cajon, South Gate, Vista, Mission Viejo, Westminster, Whittier, San Marcos, Lakewood, Lake Forest,…

Integrity Now Insurance Brokers, Inc
4182 Viking Way, Suite 203 Long Beach, CA 90808

License #0D42517
(562) 606-1030