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 Company Near Me In Butte County 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 Butte County 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 Butte County CA is always ready to assist you and answer any of your questions.
What Is General Liability Insurance
General liability insurance in Butte County is a kind of commercial insurance policy 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 typical risks like personal injury and property damage.
General liability insurance plans will cover you (and your business) in Butte County CA if you are held liable for damages that take place on your property. Such a policy protects your business from pricey claims in case something goes wrong, like a general repair that winds up with a wall tore down!
What General Liability Insurance Will Not Cover
There are circumstances where general liability insurance coverage in Butte County will not apply. Cases that are typically covered by personal or car insurance might not be covered sometimes. General liability insurance plans are developed to cover for damages and bodily injuries that result from your items, services, and operations.
So, when does the coverage fail to apply?
• Automobile accidents
• Professional errors
• Intentional acts
• Craftsmanship errors
• 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 repayment or development in case of legal action).
Therefore, it is smart to look for different insurance policies to cover these particular areas, otherwise your business will be at risk of a lawsuit in case these circumstances occur.
It is possible to cause what is called as “marketing injury” when there is a copyright infringement, slander or libel. Therefore, the aggrieved party can sue your workers or the business as a whole if they feel justified.
In this age of social media and widespread digital connectivity, it is possible for a tweet or Facebook post to land your business in trouble. For instance, 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 kind of marketing injury because the content will paint the aggrieved party in bad light, potentially affecting their public esteem and thus, their business.
Your general liability insurance coverage will come in handy to pay for legal costs and should the aggrieved party be granted a settlement; it will cover that too.
As specified, it is possible for your services and products to cause injury. Products will sometimes cause the injuries far from your business. For example, if a device malfunctions and while doing so hurts the user or causes an electric short that damages the user’s property, you will be held responsible for such damages.
Another scenario 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 lawsuits expenses and resultant payment costs as well as immediate hospital costs.
General liability insurance policies 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 procedures in place, you might still find yourself on the defense. Hence, it is essential to stay covered. Do not take the risk considering that mishaps don’t make appointments.
- General Liability Insurance Bangor CA
- General Liability Insurance Berry Creek CA
- General Liability Insurance Biggs CA
- General Liability Insurance Chico CA
- General Liability Insurance Clipper Mills CA
- General Liability Insurance Durham CA
- General Liability Insurance Feather Falls CA
- General Liability Insurance Forbestown CA
- General Liability Insurance Forest Ranch CA
- General Liability Insurance Gridley CA
- General Liability Insurance Magalia CA
- General Liability Insurance Nelson CA
- General Liability Insurance Oroville CA
- General Liability Insurance Palermo CA
- General Liability Insurance Paradise CA
- General Liability Insurance Richvale CA
- General Liability Insurance Stirling City CA