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General Liability Insurance in Duncans Mills 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 Company Near Me In Duncans Mills 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 Duncans Mills 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 Duncans Mills CA 95430 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 Duncans Mills is a type of business insurance coverage 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 policies will cover you (and your business) in Duncans Mills CA if you are held accountable for damages that happen on your property. Such a policy protects your business from costly lawsuits in case something goes wrong, 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 Duncans Mills will not apply. Cases that are typically covered by personal or vehicle insurance may not be covered in many cases. General liability insurance plans are created to cover for damages and bodily injuries that result from your items, services, and operations.

So, when does the coverage fail to apply?

• Auto accidents
• 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 advancement in case of legal action).

Therefore, it is wise to seek separate insurance coverage to cover these specific areas, otherwise your business will be at risk of a suit in case these circumstances occur.

Marketing Injury

It is possible to cause what is described 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 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 instance, 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 kind of marketing injury considering that 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 compensation; it will cover that too.

Product Liability

Duncans Mills General Liability InsuranceAs mentioned, it is possible for your product and services to cause injury. Products will in some cases cause the injuries far from your workplace. For instance, if an appliance malfunctions and while doing so injures the user or causes an electric short that damages the user’s property, you will be held responsible for such damages.

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

To Conclude

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 might still find yourself on the defense. Thus, it is very important to stay covered. Don’t take the risk given that mishaps don’t make appointments.

Learn More About Duncans Mills CA 95430

Duncans Mills is a city in Sonoma County, California with a total population of approximately 44. Duncans Mills, which uses the 707 area code, is located at 38.45075, -123.056 at an elevation of 177 feet. There are over 20 households and on average there are 2.2 people in each household with a median age of 58. The average income in the area is currently unknown.