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4 articles in this category -- expert guidance on coverage comparisons for California small businesses.
General liability covers physical risks. Professional liability covers professional errors. Many businesses need both -- here's how to know which applies to you.
Product liability is often included within a general liability policy. Here's how the two coverages relate, when you need more, and what manufacturers and retailers need to know.
Public liability is a UK and Australian insurance term. In California and throughout the US, the equivalent product is called commercial general liability (CGL) insurance and it covers more. Here is exactly how they differ and what California businesses need.
CGL covers physical incidents like bodily injury and property damage. Professional liability covers financial harm from errors, omissions, or service failures. Many California businesses need both, and understanding the boundary between them prevents costly coverage gaps.