What General Liability Covers
General liability (GL) is the core policy most California contractors need before they sign a contract or pull a permit. It pays for third-party bodily injury and property damage claims arising from your operations, along with the legal defense costs that come with them.
- Bodily injury to a third party, such as a visitor or neighbor hurt on or near your job site
- Property damage to a client's or third party's property caused by your work
- Legal defense costs and settlements, within policy limits
- Completed operations coverage for claims that arise after the job is finished
Who Needs It
Most California contractors do, including general contractors, subcontractors, remodelers, roofers, and specialty trades. Many commercial owners, property managers, and public agencies require proof of GL coverage with specific limits before work begins.
What Affects Your Premium
- Your trade classifications and the share of work in each
- Annual gross receipts and subcontractor costs
- Claims history and years in business
- Whether you do residential, commercial, or public works
- Required limits and deductible
Why Work With Sure Footing
We compare California carriers that write contractor GL and explain the differences in limits, exclusions, and completed operations terms, so you know exactly what you're buying.
Get a General Liability Quote
Tell us your trade and annual revenue. We'll follow up within one business day.
Request a Quote