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Protection for What You Didn’t See Coming

General Liability Insurance in San Diego & Chula Vista

Even when your business runs smoothly, liability claims can happen in an instant. General Liability Insurance helps safeguard your operation from costly legal disputes, injuries, and property damage involving third parties — with responsive protection tailored to California businesses.


With over 25 years of experience, Preferred Property & Casualty supports contractors, real estate professionals, and small business owners not just to meet requirements, but to grow with less risk.

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What’s Covered

Trusted by San Diego Contractors & Business Owners

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Bodily Injury Claims

Covers physical injuries to non-employees at your location or jobsite, including medical bills and legal fees related to accidents or unsafe conditions.

Property Damage Liability

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Protects your business when others’ property is damaged during your operations, covering repairs, legal claims, and related costs.

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Advertising & Personal Injury

Includes coverage for reputational harm, such as defamation or copyright issues, caused by your marketing, branding, or communications.

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Medical Payments Coverage

Pays limited medical expenses for injured third parties on your property, helping you address claims quickly and avoid legal disputes.

Built for California Contractors, Property Owners & Growing Businesses

  • Built for Contractors, Property Owners & Growing Businesses

    Whether you're managing tenants, leading construction crews, or running a high-traffic local business, liability exposure is real — and growing.

  • Tailored General Liability Coverage That Meets Demands

    We protect California contractors, real estate investors, HOAs, and entrepreneurs with policies designed to satisfy bid requirements, lease terms, and vendor contracts.

  • Clear Advice & Personal Support From a Team That Gets It

    You’ll work with local experts who know your industry, offer multiple carrier options, and treat your business like it’s their own.

Common Questions

  • Built for Contractors, Property Owners & Growing Businesses

    Whether you're managing tenants, leading construction crews, or running a high-traffic local business, liability exposure is real — and growing.

  • Tailored General Liability Coverage That Meets Demands

    We protect California contractors, real estate investors, HOAs, and entrepreneurs with policies designed to satisfy bid requirements, lease terms, and vendor contracts.

  • Clear Advice & Personal Support From a Team That Gets It

    You’ll work with local experts who know your industry, offer multiple carrier options, and treat your business like it’s their own.

Family in hard hats looking at a building under construction; man holding blueprints.

Let’s Get You Covered

We make insurance simple, fast, and personalized — so you can stay focused on what you do best.

 

Based in San Diego and proudly serving clients throughout Chula Vista and across California. We’re also licensed to support businesses in Oregon and Washington.