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All about General Liability Insurance
General liability insurance is also known as business liability insurance. It can protect your business from expenses associated with common mishaps, such as customer property damage and injuries. As a General Liability Insurance Agency, we take the hassle out of finding insurance by shopping your account through several carriers, sending over the best quote available, and getting your certificate of insurance issued as soon as the policy number comes in.
Protects your business against third-party bodily injury caused by you or your employees.
Protects your business against damage to your customer’s premises or belongings.
Protects your business against unintentional advertising acts, libel, and slander which violate the rights of a person or business.
Court and legal costs
Provides defense costs against suits which occur as a result of a variety of covered perils.
Provides limited medical payment coverage for injuries that a non-employee sustains in an accident that occurs on the insured premises or when exposed to the insured business operations.
Completed Projects Tail Coverage
Most policies provide coverage for workmanship for up to 10 years after the policy expiration.
Why General Liability Insurance is important
Commercial General Liability Insurance is an essential coverage for contractors and business owners. It protects against claims arising from accidental property damage and third-party bodily injury. It also protects contractors from claims arising from their completed work for up to 10 years after the project is complete.
Without this coverage, business owners would be liable for paying for these claims and attorney fees out of pocket, whereas those coverages are provided within the General Liability policy form. Not only does this insurance help protect your livelihood, it also shows your customers that you took the extra step in insuring your operations so they feel more confident in hiring your business for projects.
General liability claims are more common than you may think and can quickly add up to tens of thousands of dollars.
Decrease your risk and contact us today for a free General Liability insurance quote.
How much does General Liability Insurance cost?
Pricing of general liability insurance varies greatly depending on the size of the business as well as business operations. For example, a licensed handyman’s insurance policy may start at a $750 minimum premium, while a homebuilder’s policy might start at $5,000 minimum premium. These ballpark estimates are for policies with a $2,000,000 aggregate limit and $1,000,000 occurence limit and typically include a blanket waiver so that your customers can be listed as additional insured, free of charge, as needed.
At CSIA, our insurance specialists can assist in providing a closer pricing estimate upon obtaining information about your specific business. Give us a call today for a free quote!
How it Works
Request A Free Quote
We’re Here to Help
Your assigned insurance agent will shop your account with several carriers to locate the best coverage for the best pricing, based on your insurance requirements. Quote turnaround is typically within 48 hours. The purchase process is expedited through use of e-signature and e-payment services.
Get your General Liability Insurance Certificates Quickly and Easily
Certificates of Insurances are typically released within 48 hours of processing your policy. Most have a same-day turnaround.
CSIA, Inc. is a woman-owned and operated insurance agency in San Diego, California.
We Locate the Best Coverage at the Best Price. That’s Our Trade Secret.
Owner Renee Powell has over 25 years of experience in the construction trade business and has helped hundreds of contractors. Our competent staff helps clients obtain General Liability, Commercial Auto, Workers’ Compensation, Bonding, Property, Excess Coverage, Course of Construction, Tools and Equipment Coverage, and many other construction-related insurance policies. We also insure many other types of commercial businesses, from small nail salons to large real estate investment companies.
We have proudly assisted California contractors and commercial businesses in locating the coverage they need since opening our doors in 2006. We’re here to serve you and help your business stay in compliance with CSLB guidelines and contract requirements. As specialists focusing on the building trades, we understand your unique business has special needs. That’s why we employ a staff of dedicated specialists to help you find the right coverage quickly so you can get on the jobsite.
As an independent insurance agency, we don’t work for the insurance carrier – we work for you. Every member of our staff has been with our agency for over 10 years. We keep your needs in mind as we shop for pricing and coverage at every renewal. You can always expect to hear from us about your policies and options, offering a personal touch not often found with other insurance agencies. Typical response time for all requests is within 24 hours. We can quickly have you quoted, have your coverage in place, and have a certificate in your hand to get you to work. Our duty is always to our client’s best interests. Our extensive knowledge of contractor insurance coverages as well as job contracts will help you find the coverage that best suits your needs. Call today for a free consultation…you’ll be glad you did.
Why Choose Us For Your General Liability Insurance Needs?
Our Happy Clients
Frequently Asked Questions About General Liability Insurance
We are a small insurance agency with an all-female staff based out of San Diego, California. We provide responses to requests within 24 hours and typically have same-day turnaround on certificates of insurance within 24 hours. All clients have direct access to their insurance agent and will not have to speak with a customer service representative who is unfamiliar with their specific policy needs.
Over the years, we’ve developed close relationships with many of our carriers, allowing us to negotiate better pricing for our clients. We prioritize coverage over pricing, meaning we will get you the best coverage for the best pricing available. We will not sell a policy that provides no coverage to our clients just because it is inexpensive. We contact clients before every renewal to ensure they are quoted correctly for the upcoming policy term and answer any questions they may have. Businesses change and grow, we are here to insure that you protect your growing assets with the correct coverages based on your needs.
We can assist you with the cancellation of your policy if needed. You are under no obligation to remain with our agency after you’ve purchased a policy. However, we offer a wide range of insurance options and many contractors find having all of their lines of insurance appearing on one certificate of insurance makes life easier for them.
Most commercial insurance agents apply a broker fee to a quote, and our office is no exception. However, our fees are always reasonable and spelled out clearly in the terms of the quote. This fee represents the years of knowledge, time, and effort that go into shopping dozens of markets for the best price and coverage, as well as the annual servicing to include: assistance with claims, certificates, policy changes, renewal reviews, and more. There are also many types of policies where an additional fee is not applied, such as most personal lines insurance. We are confident you will agree our services are second to none – call us for a contractor insurance quote today!
All of our insurance specialists have a minimum of 10 years’ experience in the construction insurance industry. We understand the forms and endorsements required for construction jobs and can review your contracts to help you determine what is needed. Many contractors require urgent certificates of insurance to get on the job site. We understand that time is of the essence and can typically get you certificates of insurance within 24 hours.
Request a Quote
Click the button below to complete an online application. You’ll receive a call from an Insurance Specialist the following business day
We Can Provide Quotes For:
Contractor License Bond Insurance, Commercial Property Insurance, Workers Compensation Insurance, Commercial Auto Insurance, Tools/Equipment coverage, Builders Risk, Excess Liability, E&O, Special Events coverage, Health insurance, Homeowners/Renters Insurance, Personal Auto, RV, Watercraft/ATV, Motorcycle, Boats, and more.