General Liability Insurance, Your First Line of Defense
Accidents happen — even to the most experienced professionals. General Liability Insurance protects your business from costly claims involving property damage, injuries, or advertising mistakes, so you can focus on building your reputation, not defending it.
Why You Need General Liability Insurance
Accidents happen, and one claim can cost thousands. General liability insurance protects your business from property damage, injuries, and legal costs, so you can focus on your work—not unexpected expenses.
Our General Liability Solutions
Fast Quotes, Simple Process
Complete our short online form and get your quote in minutes. No endless paperwork.
Affordable Premiums
We shop top-rated insurance carriers to secure the best rates for your specific trade and risk level.
Coverage for Every Contractor
From electricians and roofers to landscapers and remodelers — we have liability plans tailored to your business type.
Instant Proof of Insurance
Get your Certificate of Insurance (COI) right after binding your policy, so you can start work or renew your CSLB license immediately.
Covered
Third-party injuries and medical expenses
Property damage caused by your work
Completed operations liability
Product liability for installed materials
Tenant liability (if you lease office or shop space)
Defense costs and legal fees
Not covered
Employee injuries
Damage to your own tools
Damage to your own equipment
Professional mistakes.
Why Choose Budget Bonds?
With Budget Bonds, you don’t just save money — you save time, avoid stress, and protect your license with confidence.
Licensed California Insurance Agency — specializing in contractor coverage
Fast Turnaround — quotes and proof of insurance delivered same day
A+ Rated Carriers — reliable protection from trusted names
Personalized Support — talk to a real specialist, not a call center
CSLB Compliance Experts — ensuring your coverage meets licensing standards
Ready to Protect Your Business?
Don’t wait until a claim costs you thousands.
Get your General Liability Insurance quote today and stay protected on every job.
Request a Quote
Fill out our quick online form or call our team.
Get Matched & Approved
We present coverage options and help you choose the best fit.
Start Your Coverage
Once approved, your policy is active — and we handle all filings.
FAQs
Do I need general liability insurance to get my contractor license?
Yes. The CSLB requires licensed contractors to carry a minimum of $1 million in liability coverage (for most classifications).
How much does general liability insurance cost?
Premiums vary based on your trade, location, business size, and claims history — but most small contractors pay between $40–$130/month for standard coverage.
What’s the difference between general liability and workers’ comp?
General liability covers damage or injuries to others (clients, property owners, bystanders), while workers’ comp covers injuries to your employees.
Can I add additional insureds to my policy?
Yes — we can add general contractors, property managers, or project owners as additional insureds, often at no extra cost.
How long does it take to get coverage?
Most policies can be activated within hours once your application is complete.
Does this policy cover subcontractors?
It depends. Some policies include subcontractor coverage; others require them to carry their own. We’ll help structure it correctly to avoid gaps.
Can I bundle general liability with my bond or workers’ comp?
Absolutely. Bundling helps lower costs and keeps your renewals simple — one renewal, one payment, one point of contact.
Address:
200 Spectrum Center Dr STE 300, Irvine, CA 92618
Contact
CA License # 4426496