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General Liability Insurance in Dutch Flat 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 Specialists Near Me In Dutch Flat 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 Dutch Flat 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 Dutch Flat CA 95714 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 Dutch Flat is a type of commercial insurance policy that provides liability coverage for general business risks. This type of insurance is usually the first line type of coverage a business gets, and it covers general typical risks like personal injury and property damage.

General liability insurance policies will cover you (and your business) in Dutch Flat CA if you are held accountable for damages that take place 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 Won’t Cover

There are circumstances where general liability insurance coverage in Dutch Flat will not apply. Cases that are generally covered by personal or car insurance may not be covered sometimes. General liability insurance plans are created to cover for damages and physical injuries that result from your products, services, and operations.

So, when does the coverage fail to apply?

• Auto accidents
• Professional errors
• Deliberate acts
• Craftsmanship mistakes
• Damages due to alcohol or substance influence.
• Damages occasioned by contamination
• Directors and Officers liability (this is a policy that covers directors and officers of the organization as reimbursement or advancement in the event 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 instances happen.

Advertising Injury

It is possible to cause what is termed as “marketing injury” when there is a copyright violation, slander or libel. Thus, the aggrieved party can sue your staff members or the business as a whole if they feel warranted.

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 affiliated 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 marketing injury since the content will paint the aggrieved party in bad light, potentially impacting their public esteem and therefore, their business.

Your general liability insurance coverage will come in handy to pay for legal expenses and should the aggrieved party be awarded compensation; it will cover that too.

Product Liability

Dutch Flat General Liability InsuranceAs 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 injures the user or causes an electric short that harms the user’s property, you will be held liable for such damages.

Another situation would be if you run an eatery 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 settlement expenses as well as immediate hospital costs.

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 steps in place, you may still find yourself on the defense. Therefore, it is essential to stay covered. Don’t take the risk given that accidents do not make appointments.

Learn More About Dutch Flat CA 95714

Dutch Flat is a city in Placer County, California with a total population of approximately 382. Dutch Flat, which uses the 530 area code, is located at 39.19476, -120.831 at an elevation of 1,354 feet. There are over 179 households and on average there are 2.13 people in each household with a median age of 52.6. The average income in the area is $53,911 and the average home value is $271,600.