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General Liability Insurance in Cathedral City 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 Experts Near Me In Cathedral City 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 Cathedral City 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 Cathedral City CA 92234 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 Cathedral City is a type of commercial insurance plan that provides liability coverage for general business risks. This type of insurance is normally the first line type of coverage a business gets, and it covers general typical risks like personal injury and property damage.

General liability insurance coverages will cover you (and your business) in Cathedral City CA if you are held liable for damages that take place on your property. Such a policy protects your business from costly suits in case something goes wrong, like a general repair that winds up with a wall knocked down!

What General Liability Insurance Won’t Cover

There are circumstances where general liability insurance coverage in Cathedral City will not apply. Cases that are generally covered by individual or car insurance may not be covered sometimes. General liability insurance coverages are created to cover for damages and bodily injuries that result from your products, services, and operations.

So, when does the coverage fail to apply?

• Auto accidents
• Professional errors
• Intentional acts
• Workmanship mistakes
• 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 company as reimbursement or improvement in the event of legal action).

Therefore, it is smart to seek separate insurance policies to cover these particular areas, otherwise your business will be at risk of a suit in case these circumstances happen.

Marketing Injury

It is possible to cause what is called as “advertising injury” when there is a copyright infringement, slander or libel. Thus, the aggrieved party can sue your workers 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 example, 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 result could be trouble for your company. This will be considered a type of advertising injury since the material will paint the aggrieved party in bad light, possibly affecting their public esteem and therefore, 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.

Item Liability

Cathedral City General Liability InsuranceAs specified, it is possible for your product and services to cause injury. Products will in some cases cause the injuries far from your workplace. 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 circumstance 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 litigation costs and resultant settlement costs along with immediate hospital costs.

To Conclude

General liability insurance plans 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 measures in place, you might still find yourself on the defense. Thus, it is very important to stay covered. Don’t take the risk considering that accidents do not make appointments.

Learn More About Cathedral City CA 92234

Cathedral City is a city in Riverside County, California with a total population of approximately 51,151. Cathedral City, which uses the 760 area code, is located at 33.81423, -116.463 at an elevation of 851 feet. There are over 17,019 households and on average there are 2.99 people in each household with a median age of 36. The average income in the area is $39,910 and the average home value is $185,900.