general liability
What Is General Liability Insurance?
General Liability Insurance, also known as commercial general liability (CGL), is a policy that helps protect businesses from claims involving third-party bodily injuries, property damage, and advertising-related issues. It’s one of the most fundamental types of business insurance.
Here’s what it typically covers:
Bodily Injury: If someone is injured on your business property, your policy may cover medical costs and legal fees.
Property Damage: Covers damages your business causes to someone else’s property—either on-site or off-site during operations.
Advertising Injury: Protects against claims such as copyright infringement, libel, or slander in your marketing or advertising materials.
Legal Expenses: Includes court costs, settlements, and attorney fees tied to covered claims.
While general liability insurance in California is not required by law for all businesses, it is often required by landlords, clients, and contractors before they’ll work with you.
How Much Does General Liability Insurance Cost in California?
The average cost of general liability insurance in California typically ranges from $30 to $60 per month, or around $400 to $700 annually for small businesses. However, your exact premium depends on factors such as:
Business size and revenue
Number of employees
Industry risk profile
Claims history
Health.
Family.
Business.
In that order, always.
Do You Really Need General Liability Coverage in California?
f your business interacts with clients, customers, or the general public in any way—yes, you do.
Here are examples of businesses that should strongly consider a general liability policy:
Retail shops and restaurants: Frequent foot traffic increases the chance of on-premises accidents.
Contractors and tradespeople: Your work could unintentionally damage a client’s property.
Consultants and service providers: Advertising or professional errors can still lead to claims.
Real estate agents, event planners, and landlords: Regular exposure to legal risk through tenant, venue, or guest interactions.
Even online-based businesses aren’t exempt. A poorly worded ad or accidental copyright use could lead to a costly lawsuit.
To learn how your specific business type fits in, visit Western Insurance Marketing Corporation—our experienced team can help you assess your exact needs and recommend coverage that fits.
The Difference That Sets Us Apart
How to Get General Liability Insurance in California
Securing the right general liability policy is easier than you think. Here’s how to get started:
Assess your risk: Think about the types of claims your business is most vulnerable to—injuries, property damage, reputation harm, etc.
Gather basic information: Business name, industry, location, number of employees, revenue, and prior claims history.
Request quotes: Compare rates and coverage options from multiple insurers.
Customize your policy: Make sure you have the right limits and endorsements (such as product liability or additional insured clauses).
Keep it current: Review and renew your policy annually to reflect any changes in your operations or exposure.
Protect Your Business with Confidence
Unexpected lawsuits or accidents can derail even the most careful business owners. That’s why general liability insurance in California is not just a safeguard—it’s a strategic investment in your company’s future.
Whether you’re launching a new startup or operating an established business, the right policy ensures you’re prepared for the unexpected. Don’t leave your business exposed.
Reach out to Western Insurance today for a free quote and personalized guidance on how to protect what you’ve built.
