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 Corcoran 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 Corcoran 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 Corcoran CA 93212 is always ready to assist you and answer any of your questions.
What Is General Liability Insurance
General liability insurance in Corcoran is a type of industrial insurance coverage that offers liability coverage for general business risks. This kind of insurance is typically the first line type of protection a business gets, and it covers general common risks like personal injury and property damage.
General liability insurance policies will cover you (and your business) in Corcoran CA if you are held accountable for damages that happen on your property. Such a policy protects your business from pricey lawsuits in case something fails, like a general repair that ends up with a wall tore down!
What General Liability Insurance Will Not Cover
There are circumstances where general liability insurance coverage in Corcoran will not apply. Cases that are typically covered by individual or automobile insurance might not be covered sometimes. General liability insurance policies are developed to cover for damages and physical injuries that arise from your items, services, and operations.
So, when does the coverage fail to apply?
• Auto mishaps
• Professional errors
• Intentional acts
• Craftsmanship errors
• Damages due to alcohol 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 case of legal action).
Therefore, it is a good idea to look for different insurance policies to cover these specific areas, otherwise your business will be at risk of a lawsuit in case these circumstances take place.
It is possible to cause what is called as “marketing injury” when there is a copyright violation, slander or libel. Hence, the aggrieved party can sue your workers or the business as a whole if they feel justified.
In this age of social media and prevalent 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 kind of marketing injury because the content will paint the aggrieved party in bad light, possibly impacting 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 compensation; it will cover that too.
As specified, it is possible for your services and products to cause injury. Products will sometimes cause the injuries far from your business. For instance, if an appliance malfunctions and in the process 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 a restaurant and a client happens to fall ill after consuming your food. In both circumstances, your business general liability policy will cover the lawsuits expenses and resultant payment expenses along with immediate hospital bills.
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 procedures in place, you may still find yourself on the defense. Hence, it is essential to stay covered. Do not take the risk given that accidents do not make appointments.