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Colton, CA. 92324

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What is General Liability Insurance?

General liability insurance, also known as general liability business insurance is coverage that helps safeguard your business from claims that happen as a result of various business operations. It offers coverage from the following

    • Damage in property
    • Slander
    • Bodily injury
    • Libel
    • Personal and advertising injury

If you are in search of coverage for your company, you must go for the general liability business insurance with Nohassleins. Whether you are an owner of a small business or a contractor in California, we provide the protection that your business needs with some of the broadest coverage available.

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For any kind of guidance related to your general liability insurance, feel free to give us a call.


Who needs Liability Coverage?

Each and every business differs from each other but as a business owner, you would always want to ensure that you are covered. Here are some of the examples of businesses that use general liability insurance

  • Small business owners
  • Artisan contractors
  • IT contractors
  • Consulting
  • Marketing
  • Landscaping companies
  • Real estate agents
  • Janitorial Services
  • And more

If you still have a doubt about whether your business needs CA general liability insurance or not, our licensed agents are here to assist you.

How much does a general liability insurance cost?

There are several factors that determine your general liability insurance cost for small business. One of the major factors is the kind of business you own. For instance, construction companies are usually charged with higher rates than consulting firms. Besides this, other factors include

  • The place where your business is located
  • The age of your business
  • Size
  • History of your insurance claims
  • Building condition etc

Sometimes policy-specific details like coverage limits also influence the rate. In case you choose higher coverage limits, they will cost you more. To know the exact amount for your business, you can get instant general liability insurance quote from us. You can look for higher deductibles, to reduce your premium cost. Give your business the gift of business liability insurance and your business will be thankful to you.

Why general liability insurance is important for your business?

This particular question arises in many business owners’ mind and the answer is very simple. This insurance offers protection to your business from costly liability claims which are extremely important for small business owners. It will stand by you in case of any of the following common business situations

  • Having a face to face interview with your client
  • Using someone else’s property for work
  • You or your employees representing a customer
  • Advertising
  • Using third party location for business operations

This particular insurance is also important when you have clients who need a certificate of insurance before finalizing a contract with you.

Introduction to Specialty General Insurance

Specialty general liability insurance (SGL) refers to the insurance that protects businesses that are vulnerable to higher-hazard liabilities, like

    • Wholesaler-Distributors
    • Manufacturers
    • Importers

With our complete solution for high hazard business, you will have the assurance that you will receive the kind of coverage your business requires. Being an eminent insurance carrier, we are capable of handling catastrophic exposures on a regular basis and we can work together to reduce the impact on your business when you have such a claim.

General liability insurance for contractors

General liability insurance is a suitable option for contractors and they do not need a BOP. This is because as a contractor you might not be an owner of a commercial building that needs property insurance or payroll coverage or other operating expenses. However you still have the chances of liability risks from your job.

You can go for the general liability insurance without the additional coverages in a BOP through the progressive advantage business program. We provide general liability, as well as Blanket Additional Insured Coverage to contractors who are eligible for this.

Commercial general liability insurance

Whether you are a consultant or you are an owner of a business or even work as a contractor, you simply cannot ignore the importance of commercial general liability (CGL) insurance California for your business. Lawsuits against your business can affect your revenue as well as your business reputation. It is crucial for you to understand the risk factors of your business and choose the right CGL to protect it from such risks.

Commercial general liability insurance provides the best way to safeguard your business from a loss in case you become legally liable for physical injury or property damage to a third party because of the products or services you sell. CGL insurance also protects your business if you or your employees are conducting business off sight.

Why do you need CGL insurance?

Knowing the consequences of operating your business without CGL insurance will help you understand the importance of this insurance

1. If you are found legally liable for physical injury or property damage to a third party, your company may have to bear the expenses associated with the legal procedures and any monetary losses that stem from the lawsuit.

2. Your company’s image with your clients/ customers could be severely damaged. As a company, you need to make sure that your clients have a sense of trust with you but a lawsuit could simply break this trust if handled poorly.

3. Your company may face a situation where it needs to show the proof of its insurance. If you are a contractor or skilled tradesperson, some of your customers can ask for proof of your insurance before allowing you to start the work on their property.

For any kind of assistance regarding your insurance, feel free to call our general liability insurance agent.

Why purchase General Liability?

Commercial general liability insurance is a vital part for any business. When you’re managing potential risks from injuries and lawsuits are unavoidable and a part of successful operations. Even smaller business’ are at risk of many exposures.

Regardless the size of your business, you should remain aware of the financial perils you expose yourself to if you choose to not buy general liability insurance for your business. The commercial insurance professionals will make sure you understand all the risks and will help you identify the right coverages for you and your business.

General Liability Coverage is vast and includes protection for employees acting on behalf of the business, anyone else legally connected to your business, legal defense expenses during lawsuits, and medical care for the injured or ill claimant.

Call 888-440-4094 (Toll-Free) to speak our agent for further clarification about general liability insurance.

Start the process of a free insurance quote for general liability insurance policy.