Commercial General Liability · California
General Liability Insurance for California Businesses
Commercial General Liability (CGL) is the foundation of any business insurance program. It protects your company from third-party claims of bodily injury, property damage, and advertising injury — covering legal defense, settlements, and medical payments.
What It Covers
Customer slips and falls at your business location
Property damage caused by your operations
Advertising injury or copyright infringement claims
Products liability after a sale is completed
Subcontractor injury claims naming you as an additional insured
Contractual liability obligations in vendor agreements
Coverage Components
Core Components
Third-Party Bodily Injury
Covers medical costs and legal defense if someone is injured by your business operations.
Third-Party Property Damage
Covers repairs or replacement if your operations damage someone else's property.
Personal & Advertising Injury
Covers libel, slander, copyright infringement, and similar claims.
Products & Completed Operations
Covers claims arising after work is completed or a product is sold.
Optional / Add-On Components
Medical Payments
Pays minor medical bills for injured third parties without litigation.
Tenants Legal Liability
Covers property damage you cause to a rented premises.
Frequently Asked Questions
