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General Liability Insurance in Borrego Springs 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 Borrego Springs 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 Borrego Springs 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 Borrego Springs CA 92004 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 Borrego Springs is a kind of commercial insurance coverage that provides liability coverage for general business risks. This kind of insurance is normally the first line type of coverage 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 Borrego Springs CA if you are held liable for damages that happen on your property. Such a policy protects your business from costly lawsuits in case something fails, like a general repair that winds up with a wall tore down!

What General Liability Insurance Will Not Cover

There are instances where general liability insurance coverage in Borrego Springs will not apply. Cases that are normally covered by individual or vehicle insurance may not be covered sometimes. General liability insurance coverages are designed to cover for damages and physical injuries that result from your items, services, and operations.

So, when does the coverage fail to apply?

• Vehicle accidents
• 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 company as compensation or improvement in the event of legal action).

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

Marketing Injury

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

In this age of social networks and widespread digital connection, it is possible for a tweet or Facebook post to land your business in trouble. For example, if somebody associated 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 kind of advertising injury given that the content will paint the aggrieved party in bad light, potentially 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 payment; it will cover that too.

Product Liability

Borrego Springs General Liability InsuranceAs stated, it is possible for your product and services to cause injury. Products will in some cases cause the injuries far from your workplace. For instance, if a home appliance malfunctions and in the process hurts the user or causes an electrical short that harms the user’s property, you will be held responsible for such damages.

Another circumstance 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 expenses as well as immediate hospital costs.

To Conclude

General liability insurance plans cover a business against a host of personal and property damages that are connected with your business. These damages can not be preempted, and even with protective steps in place, you may still find yourself on the defense. Therefore, it is very important to stay covered. Don’t take the risk considering that accidents don’t make appointments.

Learn More About Borrego Springs CA 92004

Borrego Springs is a city in San Diego County, California with a total population of approximately 3,881. Borrego Springs, which uses the 760/442 area code, is located at 33.15059, -116.35 at an elevation of 13 feet. There are over 1,754 households and on average there are 2.21 people in each household with a median age of 55.3. The average income in the area is $30,969 and the average home value is $168,700.