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General Liability Insurance Glendale, Los Angeles CA |
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General Liability Insurance

Commercial General Liability Insurance provides protection against claims of bodily injury or property damage for which your business may be liable. Unfortunately for every business owner, the chances of being sued have dramatically increased in the last decade. Fortunately for small business owners, here are just a few ways Commercial General Liability Insurance can protect your business:

  • If your business is a partnership or joint venture, Commercial General Liability Insurance would cover all partners or members and thier spouses -- but only if they're sued because of something they did while acting in an official capacity for your business
  • If your business is a corporation or association, this policy would also cover all executive officers, directors, and stockholders -- while acting in these official capacities
  • Your employees would also be protected -- while they are acting in their capacity as employees
  • Your policy would also extend liability coverage to any subsidiary for which you own more than 50% of the voting stock
  • Any person or organization, such as a vendor, with shom you have a written agreement to indemnify, would also be protected against liability claims for any bodily or property damage that results from distributing or selling your business products or services
  • Any newly acquired organization would also be protected under your policy for 90 days to newly acquired companies
  • Your legal representatives would also be afforded liability coverage under this policy -- for any liability arising from the maintenance or use ot your property in their care
  • While acting under your direction and within the scope of their responsibilities for you, any volunteers for your business would also be extended liability coverage


A Commercial General Liability Insurance policy is designed to provide financial protection in case your business is ever sued or held legally responsible for some injury or damage. Typical expenses a Commercial General Liability Insurance policy may cover include:

  • Amount the insurer spends to investigate or defend the claim or suit brought against your business
  • Other costs incurred directly by the insurance company, such as attorney's fees, witness fees, and police report costs
  • Any court costs or other costs assessed against your business in a suit
  • Reasonable expenses you incur at the insurance company's request to aid in your defense against a claim (such as your loss of income for a day spent in court)
  • Any judgement or settlement arising from a covered suit
  • Any required interest on the judgement if the defense is unsuccessful
  • Medical expenses for injured parties
  • Premiums for any bonds required by a liability suit


What coverages can Commercial General Liability Insurance provide:


Bodily Injury

As a business owner, you never like to think that something your company does or doesn't do could injure, or even cause death to a third party. But it's always comforting to know that if you are ever held legally responsible for such an injury, sickness or disease, Commercial General Liability Insurance will pay the affected person or organization for:

  • The cost of care
  • The loss of services; and
  • Restitution for any death that results from the injury


Property Damage

Regardless of how careful you may be, you may find yourself in a situation where something your business does or doesn't do damages someone else's property. Even if you don't physically damage that property, you may do something that actually prevents its owner from continuing to operate their daily routine. If so, you will have the peace in mind knowing that Commercial General Liability Insurance protection will compensate the property owner for either:

  • The physical damage to the property; or
  • The loss of use of that property


Products & Completed Operations

Commercial General Liability Insurance includes liability protection for your company's completed products or services. This means that, if an injury ever resulted from something your company made or some service your company provided, your policy would pay for the resulting damages and any legal expenses (up to your policy's limit). Also, if you were sued because of these damages, your policy would cover related defense costs regardless of who was at fault -- in addition to your policy's limit.


Contractual Liability

Commercial General Liability Insurance protection extends to any liability you may assume by entering into a variety of different types of contracts, including:

  • A building lease
  • Any easement of license agreement
  • An agreement to indemnify a town or city if required by ordinance
  • An elevator maintenance agreement


Liquor Liability

As long as you're not in the business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages, your Commercial General Liability Insurance policy will protect you in case someone claims you are legally liable for a liquor-related accident. This means that, as long as your don't charge for the alcohol, you would be covered if you occasionally distribute alcoholic beverages -- such as at any annual company picnic or a holiday office party.


Employee Injuries / Disabilities

If you one your employees ever sues you for an injury that occurred during business hours, your Commercial General Liability Insurance policy would not cover any damages or expenses. Rather, this type of protection would be provided strictly by your Workers' Compensation Insurance policy.


Hired Auto & Non-Owned Auto

Hired Auto & Non-Owned Auto coverage is typically added as an endorsement on a Commercial General Liability Insurance policy. When there are no vehicles titled under your company name this coverage will meet the contract requirement for Commercial Auto insurance.


Hired Auto coverages replaces or qugments the liability coverage offered by automobile rental agencies. However, the vehicle must be rented in your company's name and this does not replace the physical damage coverage that applies to any damage you cause to the vehicle you are renting. You should still obtain physical damage coverage from the rental agency.


Non-Owned Auto coverage protects your company in the event that your company is sued as a result of an automobile accident that you or one of your employees has in a personal vehicle during business hours. This coverage will not protect you or your employee personally, only your personal auto insurance policy will protect that exposure.


Legal Defense Costs

Even if your company is not legally responsible for some claim a third party makes against your business, it can be quite expensive to defend yourself against such claims. Fortunately, your Commercial General Liability Insurance policy will typically pay for:

  • Any defense costs incurred directly by the insurance company, including attorney's fees, witness fees, and police reports
  • Any court costs or related costs you're business is charged in connection with a legal suit
  • Resonable expenses you incur at the insurance company's request to assist in your defense (such as loss of earnings if you have to testify in court). Your Commercial General Liability Insurance policy will also pay the premium for any bond the court requires, making sure judgement will be paid if your business is found legally liable for some injury or damage caused to a third party


Medical Payments

If someone is accidently injured either by you or at your business site, Commercial General Liability Insurance will pay for medical and funeral expenses incurred within one year of the accident (up to your policy's liability insurance limit). For example, if a customer slipped and fell on your premises and had to undergo medical treatments.


Personal Injury

Something your business either does -- or fails to do -- may not physically harm a personm but it may personally injure them. If so, you'd want to know that your Commercial General Liability Insurance would protect you from any lawsuits arising from such an injury. Most Commercial General Liability Insurance policies provide coverage if you are accused of:

  • Publishing (either verbally or in writing)
  • Inaccurate information that slanders or libels a person or organization
  • Publishing material that violates a person's right of privacy
  • Falsely arresting, detaining or imprisoning someone
  • Maliciously prosecuting someone
  • Wrongfully evicting someone


Advertising Injury

If your business is ever sued because of something that happened during the course of advertising your company's own goods, products or services, be sure that your Commercial General Liability Insurance policy will provide valuable liability protection. Such advertising injuries may result from:

  • Publishing (either verbally or in writing format)
  • Inaccurate information that slanders or libels a person or other company's advertising ideas or style of conducting business
  • Copying some company's copyright, title or slogan



If you would like an analysis of your current Commercial General Liability Insurance Policy/Coverages, or need to secure a Commercial General Liability Insurance policy right away, Prime Star Insurance Services is there to help. Our highly dedicated and experienced licensed Agent's are standing by to help you find the best coverages available in the market so that your can feel secure that your business is protected against any potential risk that may possibly harm your business. Contact us today for your free consultation.

Prime Star Business Insurance Services
417 Arden Ave Glendale, CA 91203
866.399.2390 / 818.476.5000
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