General Liability Insurance

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The coverage that protects your business when something goes wrong

General liability is the foundation of nearly every commercial insurance program — it stands between a single accident and a lawsuit that could close your doors. Insurance City is a local independent brokerage in Stockton, and we write GL for businesses across the Central Valley every week.

The applicant facts for that submission go on ACORD 125, the commercial application's applicant information section. The liability detail is a separate supplement that attaches to it.

What general liability covers

• Third-party bodily injury — a customer or visitor hurt at your business or by your work.
• Third-party property damage — damage you cause to someone else’s property.
• Products & completed operations — claims tied to your products or finished work.
• Personal & advertising injury — libel, slander, and advertising-related claims.
• Damage to rented premises — if you lease your space.
• Medical payments — minor injuries handled without a lawsuit.

GL can stand alone or bundle into a business owner’s policy (BOP). We’ll tell you which fits your operation — and which clients, landlords, or lenders are going to require it on a certificate of insurance. To send the contract exhibit, use the certificate of insurance request.

The hazard list behind that policy — class, payroll or sales, and completed work — is the ACORD 126 section. We explain the form on the ACORD 126 commercial general liability page.

Why businesses work with us

We’re independent, so we shop your risk across major commercial carriers instead of one company’s box. We find the gaps in what you carry now and explain the exclusions before you sign. Our team is bilingual (English / Español) and local to Stockton.

Get a general liability quote

Tell us what your business does and who’s asking for proof of coverage, and we’ll put together comparative quotes across carriers. Call (209) 670-1556 or request a quote below.

New to commercial coverage? See our Central Valley Business Insurance Guide for how the coverages fit together.

Have an ITIN? General liability works the same way

Yes — Insurance City places general liability for business owners who file with an ITIN instead of a Social Security number, in English or Spanish, statewide by phone at 209-670-1556. We do not ask immigration status; carriers underwrite the trade, sales and claims history. Licensed contractors: the CSLB accepts the ITIN too (SB 1159), and the $25,000 contractor license bond can be bought with an ITIN — the bond comes first, the GL certificate follows in the first 30 days.