General Liability Insurance

A framing crew in Orange County finished a second-story deck last month. Three weeks later, the homeowner's guest stepped through a rotted board they'd failed to notice during demo. The guest broke an ankle. Medical bills, legal fees, and a settlement followed. Without general liability coverage, that framing contractor would have paid every dollar out of pocket.

General liability insurance exists for exactly these moments. It covers your business when someone outside your company claims your work injured them or damaged their property. The guest on that deck, the neighbor whose fence your excavator clipped, the client who trips over your extension cord at their own home. These are the claims GL handles.

Most California contractors can't bid work without it. General contractors want certificates before you set foot on site. Commercial project owners require it in every subcontract. Banks often won't finance projects without proof that everyone on the job carries adequate coverage. GL has become the baseline credential for operating as a professional contractor.

We work with over 50 A-rated carriers to find competitive rates across every trade. A sole proprietor tile setter pays different premiums than a 20-person concrete crew. Your rate depends on your trade classification, revenue, claims history, and the limits you need. We match your specific risk profile to carriers who understand your work.