General Liability Insurance for California Contractors
Protect your business from third-party injury and property damage claims. Required for CSLB license and most commercial projects. Same-day quotes available.
What General Liability Covers
Bodily Injury
Covers medical expenses, lost wages, and pain & suffering if someone is injured on your job site.
Property Damage
Covers damage to customer property, buildings, or neighboring properties caused by your work.
Personal Injury
Covers defamation, false arrest, and invasion of privacy claims.
Products/Completed Operations
Covers injuries or damage caused by your work after you leave the job site.
GL Coverage Limits Explained
$1M per occurrence / $2M aggregate
Standard for most contractors (required for CSLB license)
$2M per occurrence / $4M aggregate
Recommended for larger projects and subcontractors
$5M umbrella coverage
Required by many commercial projects and general contractors
GL Insurance Costs by Trade
General liability insurance costs vary by trade, payroll, and claims history. Below are typical annual premiums for California contractors.
Roofers
$2,500–$6,000/year
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Electricians
$2,000–$5,500/year
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Plumbers
$2,200–$5,800/year
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HVAC Contractors
$2,000–$5,000/year
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General Contractors
$3,000–$8,000/year
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Painters
$1,500–$4,000/year
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Landscapers
$1,800–$4,500/year
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Handymen
$2,000–$5,500/year
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Frequently Asked Questions
What is general liability insurance for contractors?
General Liability (GL) insurance covers third-party bodily injury and property damage claims. If a customer is injured on your job site or you accidentally damage their property, GL covers medical costs, legal fees, and settlements.
Is general liability insurance required in California?
GL is not legally required, but it's mandatory for CSLB contractors (minimum $1M/$2M). Most commercial projects, general contractors, and customers require GL before hiring you.
How much does general liability insurance cost?
GL costs $1,500–$8,000/year depending on your trade, payroll, and claims history. Roofers and high-risk trades pay more. Get a quote from Asena Capital Insurance Services for your specific trade.
What does general liability NOT cover?
GL excludes employee injuries (covered by Workers' Comp), your own property damage, professional mistakes (covered by E&O), and intentional acts. Read your policy for exclusions.
Do I need umbrella coverage with GL?
Yes, if you work on commercial projects or have high-value contracts. Umbrella coverage extends your GL limits to $2M–$5M+ and costs $300–$1,000/year.
What is an additional insured endorsement?
An Additional Insured (AI) endorsement adds the general contractor or property owner to your GL policy. Many contracts require this. Asena can add it to your policy instantly.
Can I get same-day general liability coverage?
Yes. Asena Capital Insurance Services can bind GL policies and issue certificates within 24 hours, often the same day.
Get Your GL Quote Today
Same-day quotes and certificates. Licensed California broker serving all of California.