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 Company Near Me In Desert Hot Springs 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 Desert Hot Springs 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 Desert Hot Springs CA 92240 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 Desert Hot Springs 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 typical risks like personal injury and property damage.
General liability insurance coverages will cover you (and your business) in Desert Hot Springs CA if you are held accountable for damages that happen 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 tore down!
What General Liability Insurance Won’t Cover
There are circumstances where general liability insurance coverage in Desert Hot Springs will not apply. Cases that are typically covered by personal 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?
• Car mishaps
• Professional mistakes
• Deliberate acts
• Craftsmanship 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 repayment or advancement in the event of legal action).
Therefore, it is smart to seek different insurance plans to cover these particular areas, otherwise your business will be at risk of a lawsuit in case these circumstances take place.
Advertising Injury
It is possible to cause what is called as “marketing injury” when there is a copyright infringement, slander or libel. Hence, the aggrieved party can sue your workers or 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 instance, 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 outcome could be trouble for your company. This will be considered a kind of advertising injury considering that 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 payment; it will cover that too.
Product Liability
As stated, it is possible for your services and products to cause injury. Products will in some cases cause the injuries far from your workplace. For instance, if an appliance malfunctions and in the process hurts the user or causes an electric short that damages the user’s property, you will be held accountable 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 instances, your business general liability policy will cover the litigation costs and resultant compensation costs as well as immediate hospital expenses.
To Conclude
General liability insurance policies 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 procedures in place, you may still find yourself on the defense. Thus, it is essential to stay covered. Don’t take the risk considering that mishaps don’t make appointments.