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General Liability Insurance in Atascadero CAThe 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 Atascadero 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 Atascadero 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 Atascadero CA 93422 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 Atascadero is a kind of business insurance plan that supplies liability coverage for general business risks. This type of insurance is normally the first line type of protection a business gets, and it covers general typical risks like personal injury and property damage.

General liability insurance plans will cover you (and your business) in Atascadero CA if you are held accountable for damages that happen on your property. Such a policy protects your business from pricey lawsuits in case something goes wrong, like a general repair that winds up with a wall knocked down!

What General Liability Insurance Will Not Cover

There are circumstances where general liability insurance coverage in Atascadero will not apply. Cases that are usually covered by individual or car insurance may not be covered in many cases. General liability insurance policies are created to cover for damages and bodily injuries that arise from your products, services, and operations.

So, when does the coverage fail to apply?

• Vehicle mishaps
• Professional 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 company as reimbursement or advancement in case of legal action).

Therefore, it is wise to seek different insurance policies to cover these particular areas, otherwise your business will be at risk of a lawsuit in case these circumstances happen.

Marketing Injury

It is possible to cause what is termed as “advertising injury” when there is a copyright infringement, slander or libel. Thus, the aggrieved party can sue your employees or the business as a whole if they feel justified.

In this age of social media and prevalent digital connectivity, it is possible for a tweet or Facebook post to land your business in trouble. For example, if someone associated to your business makes a joke that the grieved party finds offensive and to make matters worse, the post goes viral; the outcome could be trouble for your company. This will be considered a type of marketing injury because the material will paint the aggrieved party in bad light, possibly affecting their public esteem and thus, their business.

Your general liability insurance coverage will come in handy to pay for legal expenses and should the aggrieved party be awarded compensation; it will cover that too.

Product Liability

Atascadero General Liability InsuranceAs stated, 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 device malfunctions and in the process injures the user or causes an electrical short that damages the user’s property, you will be held responsible for such damages.

Another situation would be if you run an eatery and a consumer happens to fall ill after consuming your food. In both circumstances, your business general liability policy will cover the lawsuits expenses and resultant compensation expenses in addition to immediate hospital expenses.

To Conclude

General liability insurance coverage cover a business against a host of personal and property damages that are related to your business. These damages can not be preempted, and even with protective measures in place, you might still find yourself on the defense. Therefore, it is essential to stay covered. Do not take the risk because mishaps do not make appointments.

Learn More About Atascadero CA 93422

Atascadero is a city in San Luis Obispo County, California with a total population of approximately 31,375. Atascadero, which uses the 805 area code, is located at 35.45764, -120.68 at an elevation of 234 feet. There are over 11,865 households and on average there are 2.53 people in each household with a median age of 41.8. The average income in the area is $67,493 and the average home value is $394,900.