Commercial General Liability Insurance in Lancaster, CA

Businesses of all sizes must navigate a complex landscape of risks and responsibilities. One essential safeguard that every business should have is general liability insurance. This coverage can protect your business from significant financial loss after unforeseen incidents.

What Does General Liability Insurance Cover?

General liability coverage for businesses can provide a broad range of financial protections that are crucial in today’s litigious environment. It typically covers the following:

• Bodily injury—If a customer or third party is injured on your business premises or due to operations, general liability policies may pay for medical expenses, legal fees and any potential settlements.
• Property damage—This insurance may cover repair or replacement costs for accidental damage to someone else’s property.
• Personal and advertising injury—This includes coverage against claims of slander, libel and copyright infringement resulting from your advertising efforts.
• Legal defense and judgments—If your business is sued, general liability policies can cover the cost of your defense and any judgments or settlements up to the policy limits.

What Is the Difference Between General and Professional Liability Insurance?

General liability and professional liability insurance are two distinct types of coverage designed to protect businesses from different risks.

• General liability can cover bodily injuries, personal injury claims and property damage due to your business operations. It is primarily focused on physical risks and accidents.
• Professional liability, also known as errors and omissions (E&O) insurance, may cover claims arising from professional services and advice. Professional liability insurance may be necessary if your business provides a service that could result in financial loss for a client due to negligence, errors or omissions.

In short, general liability can cover physical risks, while professional liability insurance may safeguard against intangible risks associated with professional services.

Where to Get General Liability Insurance in California

If you are looking for general liability coverage, Huddleston Insurance Services can help. Our agents have over 40 years of combined experience and are well-equipped to find the right policies for your business. Reach out today for your free general liability quote.