The state of California and most clients you work with require you — as an independent contractor — to carry general liability insurance. With that said, your own peace of mind as a business owner demands you have the best general liability insurance coverage you can afford to carry. That’s why the folks at California Contractors Insurance do what we do. We strive to provide you with this coverage so you can do what you do best without the worry of litigation that can destroy everything you’ve worked so hard for. General liability insurance protects you, your business, your clients, and meets the state of California’s legal requirements.
General Liability Insurance Specialists Near Me In Artois California
At the end of the day, general liability insurance will allow you to sleep at night knowing that if the unforeseen does occur, California Contractors Insurance will become your partner to cover you. We provide this top of the line coverage to be comprehensive and affordable. Our insurance experts are exceptionally well trained to work with you and provide you with a tailor-made policy to satisfy your peace of mind as well as coverage to make your clients, customers in Artois is happy. Our general liability insurance coverage protects you, your clients, and customers including legal fees and any resulting damages from lawsuits.
Free General Liability Insurance Quote – (888) 728-4034
Since you’re on this page and reading this missive, you’re most likely interested or in need of affordable and comprehensive general liability insurance. So call the experts at California Contractors Insurance today at (888) 728-4034 to request a quote. A friendly associate in Artois CA 95913 is always ready to assist you and answer any of your questions.
More About General Liability Insurance
What Is General Liability Insurance
General liability insurance in Artois is a type of industrial insurance policy that provides liability coverage for general business risks. This kind of insurance is usually the first line type of coverage a business gets, and it covers general typical risks like personal injury and property damage.
General liability insurance policies will cover you (and your business) in Artois CA if you are held accountable for damages that occur on your property. Such a policy protects your business from costly claims in case something goes wrong, like a general repair that ends up with a wall knocked down!
What General Liability Insurance Won’t Cover
There are instances where general liability insurance coverage in Artois will not apply. Cases that are generally covered by individual or auto insurance might not be covered sometimes. General liability insurance coverages are developed to cover for damages and bodily injuries that arise from your products, services, and operations.
So, when does the coverage fail to apply?
• Car mishaps
• Expert errors
• Intentional acts
• Workmanship mistakes
• Damages due to liquor or substance influence.
• Damages occasioned by pollution
• Directors and Officers liability (this is a policy that covers directors and officers of the organization as compensation or development in case of legal action).
Therefore, it is smart to seek separate insurance policies to cover these particular areas, otherwise your business will be at risk of a suit in case these circumstances happen.
Advertising Injury
It is possible to cause what is termed as “advertising injury” when there is a copyright violation, slander or libel. Hence, the aggrieved party can sue your staff members or the business as a whole if they feel justified.
In this age of social media and extensive digital connectivity, it is possible for a tweet or Facebook post to land your business in trouble. For example, if someone affiliated to your business makes a joke that the grieved party finds offensive and to make matters worse, the post goes viral; the result could be trouble for your company. This will be considered a type of advertising injury given that the content will paint the aggrieved party in bad light, potentially impacting their public esteem and hence, their business.
Your general liability insurance coverage will come in handy to pay for legal expenses and should the aggrieved party be granted a settlement; it will cover that too.
Item Liability
As mentioned, it is possible for your product and services to cause injury. Products will sometimes cause the injuries far from your place of business. For example, if a home appliance malfunctions and at the same time injures the user or causes an electric short that harms the user’s property, you will be held accountable for such damages.
Another situation would be if you operate a restaurant and a client happens to fall ill after consuming your food. In both instances, your business general liability policy will cover the litigation costs and resultant compensation costs as well as immediate hospital bills.
To Conclude
General liability insurance coverage cover a business against a host of personal and property damages that are associated with your business. These damages can not be preempted, and even with protective steps in place, you might still find yourself on the defense. Therefore, it is necessary to stay covered. Don’t take the risk since mishaps do not make appointments.