For more information on General Liability Insurance Policies, visit us @
Monument Commercial Insurance Agency.

California General Liability Insurance Quotes.

California general liability insurance insures the bodily injury and
property damage liability exposures of commercial operations. It can
writen as a monoline policy or combined with other lines of insurance to
form a Commercial Package Policy (CPP). The comprehensive nature of the
form eliminates having to select individual hazards resulting in
potential gaps in coverage.

You can request California general liability insurance quotes online 24/7
without cost or obligation. Get a California general liability insurance
quote in “3″ easy steps!

Some areas of liability would be…

• Premises liability arising out of the ownership, maintenance or use of
the premises;

• Products liability for goods and products manufactured, sold or
distributed;

• Completed operations liability for services provided or work done for
others;

• Personal injury liability and advertising injury liability of the
insured; and

• Medical payments coverage.

The basic CGL coverage form can be tailored with a number and variety of
optional forms and endorsements that broaden, delete, restrict, add or
modify the form’s basic coverage’s to result in a coverage form
specifically designed for the individual insured.

The “occurrence” form. It covers losses where the injury or damage
occurs during the covered policy period, regardless of when the
insurance company is notified of the loss or claim. The key to this
coverage approach is the date of loss or the period of time when the
loss occurs.

The “claims-made” form. With this form, coverage is triggered by the
actual filing date or receipt of the claim, in addition to the date or
period of time in which the loss or injury occurs. This form handles any
covered loss or claim filed during the policy period, regardless of when
the actual loss or injury occurred. This is subject to the retroactive
date indicated on the declarations. While the retroactive date can be
any date, for complete protection it should be the first date that
claims-made coverage was applied to the risk. This is because an
occurrence coverage form applies to any loss or damage before that date.
Claims-made coverage applies only to covered losses occurring after the
retroactive date.