General liability for everyday business risks.
General liability for covered claims involving other people, their property and the legal costs that can follow, across your scheduled locations.
Coverage for third-party claims.
Bodily injury
Covered claims involving injury to a tenant, visitor or other third party.
Property damage
Covered damage to someone else's property.
Personal and advertising injury
Covered claims in these categories, subject to the policy's terms and exclusions.
Legal defense
Defense costs and covered settlements or judgments arising from a covered claim.
Coverage is subject to policy terms, exclusions, deductibles and underwriting. Your quote confirms the coverage available for your property.
| Exposure | Relevant coverage review | Ask with the quote |
|---|---|---|
| A third party is injured or their property is damaged | Commercial general liability, subject to covered activities and exclusions. | Who is insured, which locations apply, and what are the occurrence and aggregate limits? |
| Your own building is damaged | Property insurance. | Covered causes, valuation and deductibles. |
| An alleged professional error | Professional liability / errors and omissions. | Which services are insured and which exclusions apply? |
| An employment claim | Employment practices liability. | Covered allegations, parties and defense terms. |
| An employee is injured at work | Workers' compensation and employers liability. | Applicable obligations and employee classifications. |
| Defense or higher limits | Review the liability policy and any umbrella or excess proposal. | How do defense costs affect limits, and which underlying policies must be maintained? |
California regulator: commercial liability and workers' compensation
A companion to your property coverage.
- Residential rental portfolios
- Commercial building owners
- Condo and HOA associations
Different risks need different coverage.
General liability does not replace property insurance or every kind of business liability. Review the following exposures separately.
How to get covered.
Start with the property schedule
Review liability alongside the property coverage for your locations.
Choose appropriate limits
Discuss standard limits and any higher-limit needs with the team.
Review the combined program
Confirm how the liability and property coverage work together.
Frequently asked questions
No. General liability addresses covered third-party claims. Damage to your own building needs property coverage, with its own covered causes of loss, limits and deductibles.
Find liability coverage for your properties.
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