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 Avalon 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 Avalon 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 Avalon CA 90704 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 Avalon is a kind of business insurance policy that offers 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 common risks like personal injury and property damage.
General liability insurance policies will cover you (and your business) in Avalon CA if you are held accountable for damages that take place on your property. Such a policy protects your business from expensive suits in case something fails, like a general repair that winds up with a wall knocked down!
What General Liability Insurance Won’t Cover
There are instances where general liability insurance coverage in Avalon will not apply. Cases that are normally covered by individual or auto insurance may not be covered sometimes. General liability insurance policies are developed to cover for damages and physical injuries that arise from your products, services, and operations.
So, when does the coverage fail to apply?
• Automobile accidents
• Professional mistakes
• Deliberate acts
• Workmanship errors
• Damages due to liquor or substance influence.
• Damages occasioned by contamination
• Directors and Officers liability (this is a policy that covers directors and officers of the organization as reimbursement or development in case of legal action).
Therefore, it is wise to seek different insurance plans to cover these specific areas, otherwise your business will be at risk of a lawsuit in case these instances take place.
Marketing Injury
It is possible to cause what is termed as “marketing injury” when there is a copyright infringement, slander or libel. Thus, the aggrieved party can sue your workers or the business as a whole if they feel justified.
In this age of social networks and prevalent digital connectivity, it is possible for a tweet or Facebook post to land your business in trouble. For example, if somebody 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 material will paint the aggrieved party in bad light, possibly affecting their public esteem and therefore, 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.
Product Liability
As mentioned, it is possible for your services and products to cause injury. Products will sometimes cause the injuries far from your business. For instance, if a device malfunctions and while doing so injures the user or causes an electric short that damages the user’s property, you will be held liable for such damages.
Another circumstance would be if you operate a restaurant and a consumer happens to fall ill after consuming your food. In both instances, your business general liability policy will cover the litigation costs and resultant payment costs as well as immediate hospital expenses.
To Conclude
General liability insurance plans 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 may still find yourself on the defense. Hence, it is necessary to stay covered. Do not take the risk since accidents do not make appointments.