One lawsuit can bankrupt a business overnight. CISA places General Liability for California contractors, manufacturers, distributors, and service businesses — including high-hazard and hard-to-place risks that standard carriers decline. $1M–$4M limits. Same-day COI.
A Commercial General Liability policy is built around six core coverage parts. Here's what each one does — and why it matters for your California business.
Covers medical costs and legal defense if a third party is injured on your job site or at your business premises. One slip-and-fall claim can cost six figures — GL protects you.
Pays to repair or replace property your operations damage. If your crew accidentally breaks a client's water line or scratches a hardwood floor, your GL picks up the tab.
Covers claims arising from work you've already finished. If a job you completed causes damage months later, this coverage responds — long after the project is done.
Protects against libel, slander, false advertising, and copyright infringement claims. Critical for businesses with an active online presence or marketing materials.
Pays minor medical bills for third-party injuries without requiring a lawsuit. Resolving small claims quickly keeps them off your loss history and out of court.
Covers liability you assume in a written contract — like an indemnification clause in a subcontract. Essential if you sign GC agreements or client service contracts.
"CISA placed our GL policy after three standard carriers declined us because of our roofing work. We had a certificate of insurance the same day. Absolute lifesavers."
— C-39 Roofing Contractor, Orange County CA
Most California general contractors and subcontractors need at least $1M per occurrence / $2M aggregate. Many public agencies and large GCs require $2M/$4M or higher. CISA tailors your limits to match your specific contracts — so you're never over- or under-insured.
Yes — and we make it easy. We structure policies with blanket additional insured endorsements so your GC, project owner, or property manager can be added instantly without a policy change. Additional insured certificates are issued same-day.
That's our specialty. We place General Liability for roofing (C-39), framing, demolition, grading, concrete, and other high-hazard California trades that standard admitted carriers decline — through surplus lines markets with the flexibility to take on complex risks.
A Business Owners Policy (BOP) bundles General Liability with commercial property coverage at a lower combined premium — ideal for eligible small businesses in lower-hazard industries. For contractors, manufacturers, or higher-risk operations, a standalone Commercial General Liability policy is usually required. We'll recommend the right structure for your risk.
CISA is licensed to place commercial insurance across all of California. Whether you're in a major metro or a smaller market, we have carriers and programs built for your area.
Complete the form below. One dedicated specialist — not a call center, not a team of sales reps — will personally reach out with your options.