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General Liability Insurance in Big Bear Lake 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 Experts Near Me In Big Bear Lake 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 Big Bear Lake 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 Big Bear Lake CA 92315 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 Big Bear Lake is a type of industrial insurance coverage that provides liability coverage for general business risks. This type of insurance is typically the first line type of coverage a business gets, and it covers general common risks like personal injury and property damage.

General liability insurance coverages will cover you (and your business) in Big Bear Lake CA if you are held liable for damages that happen on your property. Such a policy protects your business from costly suits 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 instances where general liability insurance coverage in Big Bear Lake will not apply. Cases that are generally covered by individual or car insurance might not be covered in many cases. General liability insurance plans are created to cover for damages and physical injuries that arise from your items, services, and operations.

So, when does the coverage fail to apply?

• Vehicle mishaps
• Professional errors
• Intentional acts
• Craftsmanship 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 reimbursement or development in the event of legal action).

Therefore, it is a good idea to look for separate insurance coverage to cover these particular areas, otherwise your business will be at risk of a lawsuit in case these instances happen.

Advertising Injury

It is possible to cause what is termed as “marketing injury” when there is a copyright violation, 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 someone connected 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 since the material will paint the aggrieved party in bad light, potentially affecting 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.

Product Liability

Big Bear Lake General Liability InsuranceAs stated, it is possible for your services and products to cause injury. Products will in some cases cause the injuries far from your place of business. For example, if an appliance malfunctions and at the same time hurts the user or causes an electrical short that harms the user’s property, you will be held liable for such damages.

Another situation would be if you operate an eatery and a consumer happens to fall ill after consuming your food. In both instances, your business general liability policy will cover the lawsuits costs and resultant compensation costs as well as 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 procedures in place, you might still find yourself on the defense. Hence, it is essential to stay covered. Don’t take the risk since accidents do not make appointments.

Learn More About Big Bear Lake CA 92315

Big Bear Lake is a city in San Bernardino County, California with a total population of approximately 5,094. Big Bear Lake, which uses the 909 area code, is located at 34.24796, -116.921 at an elevation of 1,077 feet. There are over 2,224 households and on average there are 2.28 people in each household with a median age of 46.3. The average income in the area is $42,141 and the average home value is $365,800.