Why General Liability?

What the Experts Say

Straight talk. No ads, no sales pitches. Here's what experts say about General Liability insurance.

These days you can't turn on the TV without being pitched some form of insurance by a talking lizard or Flo or NFL athletes.

Online, it’s more rampant. "Insurance" is one of the most expensive keywords Google sells to advertisers. Just type it into a search engine and you’ll be dodging pop-up ads for a month.

This tsunami of sales pitches may be suitable for personal auto or homeowners insurance. Maybe insurance is so annoying to most people that comedy and cartoons or sappy commercials serve to lighten the mood.

But, that doesn't help business owners.

As a contractor who’s considering what commercial insurance you need to bid on important jobs or what policy can adequately protect your finances, you need accurate, unbiased information and advice, not jokes and actors.

So, rather than a fancy ad agency telling what you insurance to buy, here is something different. Below are links to what other, independent sources say about insurance for contractors and what coverage you as an owner should think about to protect your small business.

U.S. Small Business Administration

"Get Business Insurance. Business insurance protects you from the unexpected costs of running a business. Accidents, natural disasters, and lawsuits could run you out of business if you’re not protected with the right insurance."

Founded in 1953, the SBA is a federal government agency that exists to provide financial, technical and administrative assistance to help Americans start, run and grow their businesses.

Contractors State License Board (CSLB)

"The Contractors State License Board strongly recommends that all contractors carry it [Commercial General Liability Insurance]."

Founded in 1953, the SBA is a federal government agency that exists to provide financial, technical and administrative assistance to help Americans start, run and grow their businesses.

Federal Trade Commission (FTC)

"Before you hire a contractor; Ask questions; What types of insurance do you carry?

"Contractors should have: Personal Liability, Worker’s Compensation, Property Damage Coverage."

Founded in 1913, the FTC exists to prevent business practices that are anticompetitive, deceptive or unfair to consumers.

California Department of Insurance (CDI)

"Whether you are contemplating starting a new business, are a new business owner, or have owned a business for many years, commercial insurance can be one of the most important on going financial investments you make in the life of your company."

"Commercial General Liability (CGL) is the standard commercial liability policy used to insure businesses."

Founded in 1868 as part of a national system of state-based insurance regulation, the CDI is the largest consumer protection agency in California. It enforces the insurance laws of California and has authority over how insurers and licensees conduct business in California.

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