General Liability

General liability insurance protects San Bernardino businesses from customer injury claims and property damage lawsuits that can occur during normal business operations. Whether customers visit your location or you work at client sites, this coverage handles the legal and financial costs when accidents happen.

Business liability claims can happen to any company, regardless of industry or safety precautions. A customer slips on a wet floor at your office, you accidentally damage expensive equipment while working at a client's site, or someone claims your product or service caused them financial harm. California's legal environment makes these situations expensive even when you've done nothing wrong.

The coverage handles legal defense costs and any settlements or judgments up to your policy limits. It also covers property damage you might cause while conducting business operations. For example, if you're working at a client's San Bernardino office and accidentally damage their computer system, general liability helps cover repair and replacement costs.

Every business needs liability protection because even careful operations can result in accidents that lead to expensive lawsuits. San Bernardino's diverse business community includes retailers, service providers, contractors, and professional services companies, each facing their own liability risks that proper coverage addresses to protect their financial stability.