The Small Business Insurance Department


HomePersonal InsBusiness  InsSurety BondsContact Us Resources

Businessowners Policy - General Liability and More

Businessowners Policy


Many Coverages on One Policy Liability

A business owners policy contains commercial general liability insurance and many other important coverages to protect your business against claims that result from bodily injury and property damage and office exposures. 

Who should use this page:

  Here is a sample list of the coverages that you may see as part of your business owners policy.
  • General Liability Insurance
  • Business Personal Property | Equipment
  • Loss of Business Income
  • Valuable Papers
  • Personal Advertising Injury
  • Products and Completed Operations

Remember that E&O Insurance is usually not a part of a business owners policy, so we would like to quote your E&O as well.





Need help?

(949) 270-0609

Looking for insurance or a bond?  Just use the form to the left to let us know what you need.  We are happy to help.





Types of Commercial Insurance

General Liability
Professional Liability
Surety Bonds
Crime Insurance
Directors & Officers
Workers Comp
Cyber Liability



If you have more than one LOCATION, please tell us about the second location in the additional information section.



We will use the basic information that you provide us and then contact you if we have questions.  Quotes are generally available in the same day, but more complex businesses may take 24-48 hours.






Need help?

(949) 270-0609


Did you know that some industries can obtain policies that have both general liability and professional liability on the same policy?





Professional Liability and/or General Liability Insurance Quote Request


Company Name:
First Name:
Last Name:
Zip Code:
Confirm E-mail:


Business Structure
Choose the types that represent your business ( you may choose more than one):

Description of Business:
Year Started:    We welcome New Businesses.  
Years experience in industry:      
Tax ID #  

Information to Obtain a Quote

Full Time Employees:      (not owners)      
Number of Partners/Execs:
  What types of clients do you service:
Do you belong to any professional associations?   (if known)
Gross Receipts: Prior Year   $  (if new business, write NEW and estimate an amount)
  Current Year   $
  Estimates for Next  Year   $

Definition of Gross Receipts
New businesses may estimate their gross receipts, but we need this information to obtain a quote for most industries.


Annual Payroll: $  (if none, write "none")
Do your customers sign a contract or written agreement  
Does a single client represent 50% or more of your business?


General Liability Limits: $
Space Occupied   (sq feet):
Year Building Built: (estimate is acceptable)


Building Security System?
Business personal property and equipment? $ (tools, furniture, computers, etc)
Signs: $  (this may include attached or detached signs from your building)
Tenant Improvements
Do you need coverage for improvements you made to you space?
Building Insurance
Building Owners Only
Do you need coverage for the building itself? Enter the amount of coverage here.
Check other coverages that you would like: Glass Coverage (Windows)
Business Income/Extra Expense
ID Theft
Non-Owner/Hired Autos
Fences / Gates
Mobile Equipment
  Do you currently have insurance (if yes, with which carrier)? 
  Current Premium: $ (this helps us compare rates) 
  Do you have any other information about your business, or comments that you would like to share? Please place special requests here, such as extra coverage for special items.