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General Liability Insurance in Clayton 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 Clayton 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 Clayton 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 Clayton CA 94517 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 Clayton is a type of commercial insurance policy that offers liability coverage for general business risks. This kind of insurance is generally 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 Clayton CA if you are held liable for damages that occur on your property. Such a policy protects your business from expensive claims in case something goes wrong, like a general repair that winds up with a wall knocked down!

What General Liability Insurance Will Not Cover

There are instances where general liability insurance coverage in Clayton will not apply. Cases that are typically covered by personal or auto insurance may not be covered sometimes. General liability insurance plans are designed to cover for damages and bodily injuries that result from your products, services, and operations.

So, when does the coverage fail to apply?

• Auto mishaps
• Expert mistakes
• Intentional acts
• Workmanship 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 organization as repayment or development in the event of legal action).

Therefore, it is a good idea to look for separate insurance policies to cover these specific areas, otherwise your business will be at risk of a claim in case these instances occur.

Marketing Injury

It is possible to cause what is termed as “marketing 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 networks and widespread digital connection, 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 because the material 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 a settlement; it will cover that too.

Product Liability

Clayton General Liability InsuranceAs specified, 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 injures the user or causes an electrical short that harms the user’s property, you will be held responsible for such damages.

Another scenario would be if you run a restaurant and a client happens to fall ill after consuming your food. In both circumstances, your business general liability policy will cover the litigation expenses and resultant settlement costs in addition to immediate hospital costs.

To Conclude

General liability insurance plans 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 measures in place, you might still find yourself on the defense. Hence, it is essential to stay covered. Don’t take the risk because mishaps do not make appointments.

Learn More About Clayton CA 94517

Clayton is a city in Contra Costa County, California with a total population of approximately 12,385. Clayton, which uses the 925 area code, is located at 37.89463, -121.872 at an elevation of 23 feet. There are over 4,546 households and on average there are 2.69 people in each household with a median age of 45.1. The average income in the area is $122,125 and the average home value is $601,400.