General Liability Insurance

Every business needs to protect themselves from accidents or injuries that may occur on their business grounds. General Liability insurance coverage can protect your business from these unexpected expenses.


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  • What Is General Liability Insurance?
  • What Does General Liability Insurance Cover?
  • How Much Does General Liability Insurance Cost?

What Is General Liability Insurance?

General Liability Insurance provides coverage for customer injuries, customer property damage, and lawsuits relating to both of these. It can help pay for immediate medical expenses as well as legal costs if an incident leads to a lawsuit. It’s usually the first policy small-business owners purchase because they often need it to sign commercial leases and client contracts.

A General Liability policy can help pay for lawsuits over:

  • Third-party bodily injuries.
  • Third-party property damage.
  • Product liability.
  • Advertising injuries.

If customers, clients, vendors, subcontractors, or other non-employees sue you over the reasons listed above, the insurance company can cover the cost of the lawsuit, paying for:

  • Legal teams to represent your small business.
  • Legal teams to represent your small business.
  • Witness fees.
  • Evidence costs.
  • The judgment or settlement (the final amount of damages you owe the other side).

It’s tempting to think you’ll never get sued, but lawsuits are part of the business landscape. And when a small business is sued, the costs can be devastating. A 2005 study [PDF] by the Small Business Administration found that a lawsuit costs between $3,000 and $150,000 for a small business. In today’s dollars, that’s closer to $4,000 to $190,000.

Commercial General Liability Insurance is an essential safety net when you don’t have deep pockets because it can provide funding when things go wrong. Let’s look at a few examples of the lawsuits this policy can cover.

Coverage for Third-Party Injuries
(e.g., slip-and-falls)

third-party injuries (n.): physical bodily harm that happens to people not employed by your business

Why Us?


Let us do the hard work

Choosing the right business or commercial insurance plan for your business can be very confusing, so we have developed many different options and programs to meet the needs of our commercial insurance clients in Los Altos area and throughout the state of California.

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Get expert advice and guidance

With over 25 years of experience and specialty industry niches, our brokerage is a top choice of California businesses. Prevot & Associates Insurance Services is an all-encompassing insurance brokerage firm with comprehensive commercial insurance offerings & solutions for all businesses.

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Work with a team you can trust

At Prevot and Associates Insurance Services, we can design a specialized package according to your property, liability, and casualty needs. We are also proactive in identifying any factors that may increase your premiums or change your risk, and provide consulting and risk management options to protect your business. With offices in San Francisco Bay Area’s Silicon Valley and Sunny San Diego, we provide superior coverage & service for our clientele whether they are in the state or conducting business abroad. Our client’s success is our business.

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