Coverage That Keeps You Covered—No Matter What Walks Through the Door
Accidents happen—even when you do everything right. General Liability Insurance helps protect your business from the unexpected: customer injuries, property damage, or claims that could otherwise derail your momentum. At Overacre Insurance Agency & Manteca Insurance & Financial Services, we help business owners across Idaho and California get the coverage they need to operate with confidence and keep things running smoothly.
One accident shouldn’t undo everything you’ve built.
What does general liability insurance cover?
It covers third-party bodily injury, property damage, and personal injury claims (like slander or advertising injury) related to your business operations.
Is general liability required by law?
Not always, but many clients and landlords require it before doing business with you. It’s also one of the most important forms of business protection.
What types of businesses need it?
Nearly all businesses benefit from general liability—especially those that interact with the public, work on client property, or have physical locations.
Does it cover employee injuries?
No. Employee injuries fall under workers compensation insurance. We can help you get both.
Why General Liability Is a Smart First Step
General liability is often the foundation of a strong business insurance plan. It helps shield your finances from the costs of lawsuits, medical bills, legal fees, and repairs—expenses that can add up fast without proper coverage.
Your Risk. Your Business. Your Coverage.
We work closely with contractors, service providers, retail shops, and more to match each business with the protection it needs. As independent agents, we’re here to compare quotes, explain your options, and guide you toward a plan that protects you—without overcomplicating your day.