amE3X6n2P4Vz-DhLgFjTr4xrOO2uVzyPC4qI6XgssP0

General Liability Insurance in El Cajon 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 Experts Near Me In El Cajon 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 El Cajon 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 El Cajon CA 92019 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 El Cajon is a kind of commercial insurance plan that supplies liability coverage for general business risks. This kind of insurance is usually the first line type of coverage a business gets, and it covers general common risks like personal injury and property damage.

General liability insurance plans will cover you (and your business) in El Cajon CA if you are held accountable for damages that take place on your property. Such a policy protects your business from expensive lawsuits in case something goes wrong, like a general repair that ends up with a wall knocked down!

What General Liability Insurance Will Not Cover

There are instances where general liability insurance coverage in El Cajon will not apply. Cases that are normally covered by personal or car insurance may not be covered in some cases. General liability insurance plans are created to cover for damages and physical injuries that result from your items, services, and operations.

So, when does the coverage fail to apply?

• Vehicle accidents
• Expert 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 compensation or advancement in the event of legal action).

Therefore, it is a good idea to seek different insurance plans 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 called as “advertising injury” when there is a copyright violation, slander or libel. Thus, the aggrieved party can sue your employees or the 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 example, if somebody 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 advertising injury because the content will paint the aggrieved party in bad light, possibly impacting 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 a settlement; it will cover that too.

Product Liability

El Cajon General Liability InsuranceAs stated, it is possible for your services and products to cause injury. Products will sometimes cause the injuries far from your place of business. For instance, if a device malfunctions and in the process hurts the user or causes an electric short that harms the user’s property, you will be held accountable 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 instances, your business general liability policy will cover the lawsuits costs and resultant payment expenses along with immediate hospital bills.

To Conclude

General liability insurance coverage 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 measures in place, you might still find yourself on the defense. Thus, it is necessary to stay covered. Do not take the risk because accidents don’t make appointments.

Learn More About El Cajon CA 92019

El Cajon is a city in San Diego County, California with a total population of approximately 42,598. El Cajon, which uses the 619 area code, is located at 32.77969, -116.877 at an elevation of 13 feet. There are over 15,137 households and on average there are 2.79 people in each household with a median age of 39.2. The average income in the area is $74,099 and the average home value is $422,900.