General Liability Insurance 

In your business, you will always have liabilities present. Some of these will impact your company assets and property. Others, however, will be liabilities that you pose to others through your operations. These might be injury, property damage, personal and other liabilities, but they all might lead to the same costly results when problems occur.  

As a cornerstone of most commercial insurance portfolio, general liability insurance is designed to safeguard your company’s assets when problems like these arise. California business owners who are looking for quality general liability insurance benefits can rely on Richard Turner Insurance to help them find the right coverage. 

To get your policy bundle started: 

• Call us at (619) 296 – 6222

• Request a Quote for Your Business Insurance Essentials

Common General Liability Insurance Questions 

What Does General Liability Insurance Cover? 

If you are liable for something, that means you are responsible for it. So, if your business is liable for the harm or financial losses that other people sustain, then you might have to compensate them. Liability insurance can help you do so. 

The liabilities are numerous in all businesses, which is why most businesses need several specific types of liability coverage to create far-reaching protection. General liability coverage is a package of benefits that offer businesses the most essential protection for the risks that are present in almost any industry and any individual company. These include: 

Why Does a Business Need General Liability Insurance? 

No matter how safely you try to operate your business, and how comprehensive a risk management plan you have, you cannot eliminate every risk that something will go wrong in your company and harm someone else. General liability insurance is necessary to have for this very reason. Your coverage can make sure you don’t have to suffer significant financial setbacks just because a mistake in your work caused a problem. 

How Much General Liability Insurance do I Need? 

A liability lawsuit could cost your business thousands, if not millions, of dollars in settlements and legal fees. The cost of restitution could easily cause you to face an irrecoverable financial loss that leads to your business’s failure. Your liability insurance should include appropriate amounts of coverage to make sure that you don’t have to sacrifice these assets as you make restitution to others. 

Is There a Difference Between Business Liability and General Liability Insurance? 

General liability insurance is a specific type of business insurance. You might be able to buy it as part of a business owners policy (BOP) or commercial package policy (CPP), or as stand-alone coverage.  

However, you can combine your CGL benefits with a variety of other specialty liability policies to create your full business liability insurance portfolio. Some of the specialty policies that you might need in addition to CGL plans include: 

Our agents are experts in how a CGL plan can be integrated into your overall commercial benefits package, so you’ll never have to worry about whether you truly have the benefits that are best for you in your line of work.