General Liability Insurance in California | California Contractors Insurance |

General Liability Insurance in California 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 Agency Near Me In 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 California 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 California 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 California is a kind of business insurance plan that offers 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 common risks like personal injury and property damage.

General liability insurance plans will cover you (and your business) in California if you are held responsible for damages that take place on your property. Such a policy protects your business from costly claims 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 California will not apply. Cases that are normally covered by personal or automobile insurance may not be covered in many cases. General liability insurance coverages are created to cover for damages and bodily injuries that arise from your items, services, and operations.

So, when does the coverage fail to apply?

• Auto accidents
• Expert errors
• Deliberate acts
• Craftsmanship mistakes
• 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 company as reimbursement or improvement in the event of legal action).

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

Advertising Injury

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

In this age of social media and extensive digital connectivity, it is possible for a tweet or Facebook post to land your business in trouble. For instance, 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 marketing injury since the content 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

California General Liability Insurance As mentioned, it is possible for your product and services to cause injury. Products will sometimes cause the injuries far from your place of business. For example, if a home appliance malfunctions and at the same time hurts the user or causes an electric short that harms the user’s property, you will be held responsible for such damages.

Another scenario 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 costs and resultant compensation expenses in addition to immediate hospital expenses.

To Conclude

General liability insurance policies cover a business against a host of personal and property damages that are associated with 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 essential to stay covered. Do not take the risk considering that accidents don’t make appointments.

Counties We Serve In California

Learn More About California

https://en.wikipedia.org/wiki/California

California General Liability Insurance