Quick Answer
California contractor general liability insurance covers third-party bodily injury and property damage caused by your work. Costs range from pricing varies by classification, payroll, operations, claims history, limits, and underwriting/year depending on trade, revenue, and claims history. Standard limits are $1M per occurrence / $2M aggregate. Most GCs and project owners require GL before letting you on site. Call (858) 925-9555 for a quote.
What General Liability Covers
✓ Third-party bodily injury (someone gets hurt because of your work)
✓ Third-party property damage (you damage someone's property)
✓ Legal defense costs
✓ Medical payments (small injuries, no lawsuit)
✓ Completed operations (work you finished, claim filed later)
What GL Does NOT Cover
❌ Your employees' injuries (that's workers' comp)
❌ Damage to your own work
❌ Professional services or design work
❌ Pollution or environmental damage
❌ Intentional acts
GL Costs by Trade
| Trade | Annual Cost | Coverage Limit |
|---|---|---|
| General Contractors | pricing varies by classification, payroll, operations, claims history, limits, and underwriting | $1M/$2M |
| Roofers | pricing varies by classification, payroll, operations, claims history, limits, and underwriting | $1M/$2M |
| Electricians | pricing varies by classification, payroll, operations, claims history, limits, and underwriting | $1M/$2M |
| Plumbers | pricing varies by classification, payroll, operations, claims history, limits, and underwriting | $1M/$2M |
| Painters | pricing varies by classification, payroll, operations, claims history, limits, and underwriting | $1M/$2M |
Coverage Limits Explained
$1M per occurrence: Maximum paid for a single incident. Standard for most contractors.
$2M aggregate: Maximum paid in a policy year. If you have two $1M claims, the second is only partially covered.
$5M umbrella: Extra layer of protection above your GL. Costs pricing varies by classification, payroll, operations, claims history, limits, and underwriting/year.
Need GL coverage? Call (858) 925-9555 for a coverage review.
Related: General Liability Insurance · Workers' Compensation
Call (858) 925-9555 — GL insurance, timely binding.