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General Liability Insurance in Branscomb 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 Company Near Me In Branscomb 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 Branscomb 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 Branscomb CA 95417 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 Branscomb is a type of business insurance policy that supplies liability coverage for general business risks. This type of insurance is generally the first line type of protection 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 Branscomb CA if you are held responsible for damages that occur on your property. Such a policy protects your business from pricey lawsuits in case something goes wrong, like a general repair that ends up with a wall tore down!

What General Liability Insurance Will Not Cover

There are circumstances where general liability insurance coverage in Branscomb will not apply. Cases that are usually covered by personal or vehicle insurance might not be covered in some cases. General liability insurance policies are designed to cover for damages and bodily injuries that result from your products, services, and operations.

So, when does the coverage fail to apply?

• Vehicle accidents
• Expert 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 repayment or advancement in the event of legal action).

Therefore, it is wise to look for different insurance plans to cover these specific areas, otherwise your business will be at risk of a lawsuit in case these circumstances occur.

Advertising Injury

It is possible to cause what is described as “advertising injury” when there is a copyright infringement, slander or libel. Thus, the aggrieved party can sue your employees or 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 instance, 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 since the content will paint the aggrieved party in bad light, possibly 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.

Item Liability

Branscomb General Liability InsuranceAs mentioned, 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 device malfunctions and while doing so injures the user or causes an electric short that harms the user’s property, you will be held responsible for such damages.

Another situation would be if you operate an eatery and a client happens to fall ill after consuming your food. In both instances, your business general liability policy will cover the litigation expenses and resultant settlement expenses in addition to immediate hospital bills.

To Conclude

General liability insurance policies 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 steps in place, you may still find yourself on the defense. Hence, it is important to stay covered. Don’t take the risk since accidents don’t make appointments.

Learn More About Branscomb CA 95417

Branscomb is a city in Mendocino County, California with a total population of approximately 297. Branscomb, which uses the 707 area code, is located at 39.66206, -123.632 at an elevation of 639 feet. There are over 118 households and on average there are 2.52 people in each household with a median age of 48.6. The average income in the area is $71,037 and the average home value is $198,000.