Connect general liability to the operation
A large and varied economy includes technology, entertainment, agriculture, hospitality, manufacturing, logistics, construction, and commercial real estate.
What the coverage can help address
- Premises and operations claims
- Products and completed operations
- Defense costs for covered claims
Questions to review
- Accurate classifications and descriptions of operations
- Per-occurrence, aggregate, and products-completed operations limits
- Additional insured, contractual liability, and waiver requirements
California planning context
Wildfire and earthquake
Consider whether this factor changes values, limits, deductibles, coverage structure, protection practices, or expected recovery time.
Flood, landslide, and coastal conditions
Consider whether this factor changes values, limits, deductibles, coverage structure, protection practices, or expected recovery time.
High property values, dense operations, and long rebuilding timelines
Consider whether this factor changes values, limits, deductibles, coverage structure, protection practices, or expected recovery time.
Information to prepare
- Revenue, payroll, and operating description
- Contracts, leases, and certificate requirements
- Loss history and risk-control procedures
Frequently asked questions
What should a California business prepare for a general liability review?
Prepare current operational information, values or payroll where relevant, requested limits, contracts, and currently valued loss history. Revenue, payroll, and operating description; Contracts, leases, and certificate requirements; Loss history and risk-control procedures.
Does this page state what insurance is legally required in California?
No. This is general insurance-planning information, not legal advice or a statement of state-specific requirements. Requirements and availability should be confirmed for the individual business.
Coverage descriptions are general. Eligibility, availability, terms, conditions, limits, deductibles, and exclusions vary by account and insurance market.