General liability coverage starts with the business operations and classifications.
Commercial general liability insurance can address covered third-party bodily injury, property damage, personal and advertising injury, and products-completed operations claims, subject to the policy terms, conditions, limitations, and exclusions.
For California businesses, a meaningful review considers classifications, payroll or sales, subcontractor controls, residential or tract work, height, excavation, products, prior losses, and required endorsements such as additional insured, primary and noncontributory, waiver, or per-project aggregate wording when available and appropriate.
Coverage considerations
- Premises and operations liability
- Products and completed operations
- Contractual liability and additional insured status
- Primary and noncontributory wording
- Waivers of subrogation and per-project aggregates
- Residential, height, excavation, and subcontractor restrictions
Contractors
Active work, completed operations, subcontractors, tools, contracts, and jobsite exposures.
Service Businesses
Customer locations, premises, employees, vendors, and contractual requirements.
Retail & Product Risks
Premises liability, products, property, cyber, crime, and umbrella needs.
Growing Companies
Coverage that can coordinate with auto, workers’ compensation, property, and umbrella.
Related coverage
General liability should be reviewed alongside commercial auto, workers’ compensation, property, tools and equipment, professional exposures, and umbrella coverage.