General Liability

Third-party injury and property damage

Contractor reviewing plans on a job site

Core protection for bodily injury, property damage, and many advertising or personal injury claims arising from your operations. Often paired with tools, equipment, or auto.

Coverage availability and pricing depend on underwriting guidelines, motor vehicle reports, and carrier appetite. We will tell you upfront if a risk needs a specialty market.

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What it is

General liability responds to many third-party claims for bodily injury, property damage, and certain personal/advertising injury allegations tied to your operations. It is often the first coverage clients, landlords, or municipalities ask to see.

Who it's for

Contractors, small service businesses, vendors, event-related operators, and anyone signing a lease or contract that demands liability limits and additional insured status.

What it may cover

Examples only—see your policy for terms, exclusions, and limits.

Third-party bodily injury on your premises or job sites (subject to policy terms).
Third-party property damage arising from operations.
Personal and advertising injury where the form includes coverage.
Often paired with tools, auto, or workers’ comp for complete protection.

Why Cali-Fast

We read your contracts for waiver, additional insured, and primary/non-contributory language so endorsements match. You are not left explaining gaps to a certificate holder.

Common questions

Does general liability cover my employees if they get hurt?: No—that is workers’ compensation. GL covers third parties, not your employees’ injury benefits.
Is product liability included?: Many GL forms include products/completed operations for certain businesses; we confirm for your operations class.

What to expect when you request a quote

Share business type, receipts, subcontractor use, and contract requirements. We quote GL standalone or bundled with companion lines you need.

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