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 Experts Near Me In Capitola 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 Capitola 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 Capitola CA 95010 is always ready to assist you and answer any of your questions.
What Is General Liability Insurance
General liability insurance in Capitola is a type of industrial insurance coverage that provides liability coverage for general business risks. This kind of insurance is normally 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 Capitola CA if you are held liable for damages that happen on your property. Such a policy protects your business from pricey claims in case something fails, like a general repair that winds up with a wall tore down!
What General Liability Insurance Won’t Cover
There are circumstances where general liability insurance coverage in Capitola will not apply. Cases that are generally covered by personal or automobile insurance may not be covered sometimes. General liability insurance coverages are designed to cover for damages and physical injuries that arise from your products, services, and operations.
So, when does the coverage fail to apply?
• Vehicle mishaps
• Professional errors
• Deliberate acts
• Workmanship 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 reimbursement or development in case of legal action).
Therefore, it is smart to seek separate insurance coverage to cover these particular areas, otherwise your business will be at risk of a lawsuit in case these circumstances happen.
It is possible to cause what is called as “marketing injury” when there is a copyright violation, slander or libel. Therefore, the aggrieved party can sue your staff members or the business as a whole if they feel justified.
In this age of social networks and extensive digital connectivity, it is possible for a tweet or Facebook post to land your business in trouble. For example, if somebody connected 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 type of marketing injury considering that the material will paint the aggrieved party in bad light, potentially impacting 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 awarded payment; it will cover that too.
As stated, it is possible for your product and services 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 accountable for such damages.
Another scenario would be if you operate a restaurant and a consumer happens to fall ill after consuming your food. In both circumstances, your business general liability policy will cover the lawsuits expenses and resultant payment costs as well as immediate hospital costs.
General liability insurance plans 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 procedures in place, you might still find yourself on the defense. Therefore, it is necessary to stay covered. Don’t take the risk given that accidents do not make appointments.