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 Specialists Near Me In Carmel 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 Carmel 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 Carmel CA 93922 is always ready to assist you and answer any of your questions.
What Is General Liability Insurance
General liability insurance in Carmel is a kind of commercial insurance coverage that offers liability coverage for general business risks. This type of insurance is usually 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 Carmel CA if you are held liable for damages that take place 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 Carmel will not apply. Cases that are usually covered by individual or car insurance might not be covered in some cases. General liability insurance plans are developed to cover for damages and physical injuries that result from your products, services, and operations.
So, when does the coverage fail to apply?
• Automobile accidents
• Professional mistakes
• Deliberate acts
• Craftsmanship 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 company as compensation or improvement in the event of legal action).
Therefore, it is smart to look for different insurance plans to cover these particular areas, otherwise your business will be at risk of a suit in case these circumstances take place.
It is possible to cause what is termed as “advertising injury” when there is a copyright infringement, 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 media and widespread digital connectivity, it is possible for a tweet or Facebook post to land your business in trouble. For example, 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 outcome could be trouble for your company. This will be considered a kind of marketing injury given that 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 compensation; it will cover that too.
As specified, it is possible for your product and services to cause injury. Products will sometimes cause the injuries far from your business. For example, if a device malfunctions and in the process hurts the user or causes an electric short that damages the user’s property, you will be held liable for such damages.
Another situation would be if you run an eatery and a consumer happens to fall ill after consuming your food. In both circumstances, your business general liability policy will cover the litigation costs and resultant payment expenses along with immediate hospital expenses.
General liability insurance coverage 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 important to stay covered. Do not take the risk considering that mishaps do not make appointments.