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General liability
Answers customer injuries and damage to other people’s property.
General liabilityBrowse guides, checklists and plain-English explainers that help small-business owners prepare for insurance conversations and weigh their coverage options.
Use these guides before a quote, when a client asks for proof of insurance or when your business changes.
Gather the details that matter for your day-to-day work.
Opening a business brings several insurance decisions at once. Our new-business guide follows the milestones: signing a lease, taking a first client job, hiring and buying a work vehicle.
Learn what each type of insurance is for, then bring your questions into a conversation about your business.
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Answers customer injuries and damage to other people’s property.
General liability02
Answers a client’s claim that your advice or work cost them money.
Professional liability03
General liability and business property packaged in one policy.
Business Owner’s Policy04
Medical care and lost wages for staff hurt on the job, required from your first hire.
Workers’ compensation05
Insurance for the vehicles you own and the driving your team does for work.
Commercial auto06
Product liability and the certificate Amazon asks its sellers for.
Amazon seller insurance07
Claims that a product you make, import or sell caused harm.
Product liability08
Breach response, data and the systems your business runs on.
Cyber insurance09
Employee theft, fraud and client-property bonds.
Crime bonds10
Extra liability limits above your core policies.
Commercial umbrella11
Claims from employees and applicants about how they were treated.
Employment practices liability12
Your building, equipment, inventory and improvements.
Commercial property13
Gear that travels to job sites and sits in vans.
Tools and equipment14
Bonds that contracts, agencies and the CSLB ask for.
Contractor and surety bonds15
Serving or selling alcohol to guests and customers.
Liquor liability16
Claims about decisions made by a company’s leaders.
Directors and officers17
Cleanup and third-party claims when work releases mold, fuel or other pollutants.
Contractors pollution liabilityFrom restaurants and salons to consultants and trades, our industry guides connect the work you do with relevant insurance questions.
For every coverage line in one place, start with our business insurance overview.
For local business resources, browse Areas We Serve. Each city page brings together local information and links to coverage guidance.
Talk with Mithril1 about your business and the insurance you are considering.
These guides sit with our Amazon seller pages, but they apply to any business that sells a product online or to retailers:
Every guide and checklist here was written to make your next insurance conversation shorter and clearer. Bring the answers you gather, and we can move straight to the options that fit your business instead of starting from a blank page.
Start with the general quote checklist, review your coverage each year with the annual review checklist, or meet Mithril1 to see how we approach commercial insurance. Industry checklists, from contractors and restaurants to childcare and landscaping, go one step further.
Start with the moment you are facing. Signing a lease points to the new-business guide and the quote checklist. A client asking for proof of insurance points to the certificate guide. Hiring a first employee points to the workers’ compensation page, and a new work vehicle points to commercial auto.
Renewal season is the time for the annual review checklist. Each guide is short enough to read in one sitting and ends with links to the coverage pages behind it.
Eligible businesses can start an online quote through NEXT, while others prefer to talk through their options first. Either way, the checklists here gather the same details: services, premises, people, vehicles and contracts.
Bring your answers to whichever route you choose, and personal help through the inquiry form is available when a question comes up.
A few useful answers
The general quote checklist suits almost any business. Then add the one for your trade from the Checklists for your industry list above.
Start with the certificate of insurance guide, which explains what the document shows and how to request one.
Yes. The answers you gather fit an online quote or a conversation with Mithril1 equally well.