One third-party injury or property damage claim can cost six figures — and most contracts require proof of general liability before you step on a job site. CISA places general liability insurance for California and Arkansas businesses, including high-hazard and hard-to-place trades, through 40+ A-rated carriers. Get a quote in 15 minutes.
Commercial general liability insurance protects your business against third-party claims of bodily injury, property damage, and personal or advertising injury — the foundation of any business insurance program.
Covers medical costs and legal defense if a third party is injured on your premises or at your job site — from a slip-and-fall in your lobby to a contractor injury on a project.
Pays to repair or replace property your operations damage — if your crew breaks a client's water line or scratches a floor, your general liability covers the repair.
Covers claims arising from work you've already finished. If a completed job 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 marketing materials or an online presence.
Pays minor medical bills for third-party injuries without requiring a lawsuit, resolving small claims quickly to keep them off your loss history.
Covers fire damage to a space you lease or rent — protection your landlord and your lease agreement typically require.
We structure policies with blanket additional insured endorsements so your GC, project owner, or landlord can be added instantly — no policy change needed — and certificates issue the same day.
We place general liability for roofing, demolition, grading, concrete, and other high-hazard trades that standard admitted carriers decline — through surplus lines markets built for complex risks.
Most contracts require $1M/$2M or $2M/$4M; some demand $5M+. We coordinate your general liability with a commercial umbrella to build the exact limit stack your contracts require.
General liability insurance covers third-party bodily injury, property damage, products and completed operations, personal and advertising injury, medical payments, and damage to rented premises. It protects against the most common claims a business can face from customers, visitors, and other third parties.
Most contracts require at least $1M per occurrence / $2M aggregate. Public agencies and large GCs often require $2M/$4M or higher. We tailor your limits to match your actual contracts — and layer a commercial umbrella when contracts demand $5M+.
Cost depends on your industry, revenue, payroll, location, claims history, and limits. A low-hazard small business may pay $400–$800/year; high-hazard contractors can pay $1,500–$5,000+. CISA shops 40+ carriers so you get several competitive quotes.
A Business Owners Policy (BOP) bundles general liability with commercial property at a lower combined premium — ideal for eligible low-hazard small businesses. Higher-risk contractors, manufacturers, and larger operations usually need a standalone commercial general liability policy. We recommend the right structure for your risk.
CISA places coverage across every line your business needs. Explore related policies or talk to a specialist about bundling for savings.
Protect your crew and stay compliant with California labor laws.
Built for licensed trades — GL, WC, tools, and bonds bundled.
Guides on compliance, cost reduction, and claims management.
Looking for something specific? Browse all coverage options or call (209) 400-1710
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