Liability Insurance

Liability insurance is essential because one claim can turn into a major financial loss, even when you did everything right. General liability helps protect your business from third-party injuries, property damage, and more, while also addressing industry-specific risks like post-production exposures, when issues show up after the job is completed and you’ve already moved on. The right limits and structure matter, because liability claims can escalate fast put your business, contracts, and reputation on the line.

Our liability experts help keep you protected from costly claims, contract requirements, and unexpected lawsuits that can threaten your business. We’ll structure your general liability and umbrella/excess coverage the right way, so you can operate with confidence and stay ready for what comes next.

Liability insurance helps protect your business if you’re held responsible for third-party injuries, property damage, or legal claims, with general liability covering everyday risks and legal defense costs. Excess/Umbrella coverage steps in with higher limits when a serious claim goes beyond your primary policy.

In California, liability insurance isn’t required for every business by default, but it’s often mandatory through leases, client contracts, and licensing requirements just to operate and get jobs. Industry research shows 77% of small businesses are underinsured, which can leave owners stuck paying expensive claims out of pocket if their limits or coverage aren’t set correctly. That’s why choosing an expert is imperative to protect your business.