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General Liability Insurance in Coleville 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 Agency Near Me In Coleville 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 Coleville 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 Coleville CA 96107 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 Coleville is a kind of commercial insurance plan that offers liability coverage for general business risks. This type of insurance is typically the first line type of coverage 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 Coleville CA if you are held responsible for damages that occur on your property. Such a policy protects your business from expensive lawsuits in case something fails, like a general repair that ends up with a wall knocked down!

What General Liability Insurance Won’t Cover

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

So, when does the coverage fail to apply?

• Auto mishaps
• Professional mistakes
• Deliberate acts
• Workmanship 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 organization as compensation or improvement in the event of legal action).

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

Advertising Injury

It is possible to cause what is described as “advertising injury” when there is a copyright violation, 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 prevalent digital connection, it is possible for a tweet or Facebook post to land your business in trouble. For example, if somebody 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 given that the content will paint the aggrieved party in bad light, potentially 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 granted compensation; it will cover that too.

Product Liability

Coleville 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 business. For example, if a home appliance malfunctions and while doing so injures the user or causes an electric short that damages the user’s property, you will be held accountable for such damages.

Another scenario would be if you operate an eatery and a customer happens to fall ill after consuming your food. In both instances, your business general liability policy will cover the lawsuits costs and resultant payment expenses in addition to immediate hospital bills.

To Conclude

General liability insurance policies 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 may still find yourself on the defense. Therefore, it is necessary to stay covered. Don’t take the risk since accidents don’t make appointments.

Learn More About Coleville CA 96107

Coleville is a city in Mono County, California with a total population of approximately 1,269. Coleville, which uses the 530 area code, is located at 38.32739, -119.406 at an elevation of 6,465 feet. There are over 514 households and on average there are 2.41 people in each household with a median age of 36.4. The average income in the area is $51,958 and the average home value is $211,100.