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General Liability Insurance in El Cerrito 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 El Cerrito 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 Cerrito 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 Cerrito CA 94530 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 Cerrito is a kind of industrial insurance plan that provides 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 policies will cover you (and your business) in El Cerrito CA if you are held liable for damages that take place on your property. Such a policy protects your business from pricey claims in case something fails, like a general repair that winds up with a wall tore down!

What General Liability Insurance Won’t Cover

There are instances where general liability insurance coverage in El Cerrito will not apply. Cases that are normally covered by personal or automobile insurance might not be covered sometimes. General liability insurance coverages 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 mistakes
• Deliberate acts
• Workmanship errors
• 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 company as repayment or development in the event of legal action).

Therefore, it is a good idea to seek different insurance coverage to cover these particular areas, otherwise your business will be at risk of a suit in case these circumstances take place.

Marketing 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 staff members or the business as a whole if they feel justified.

In this age of social media and prevalent digital connection, it is possible for a tweet or Facebook post to land your business in trouble. For example, if somebody connected 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 type of marketing injury since the material 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 costs and should the aggrieved party be granted a settlement; it will cover that too.

Product Liability

El Cerrito 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 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 liable for such damages.

Another circumstance 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 lawsuits costs and resultant compensation 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 connected with your business. These damages can not be preempted, and even with protective steps in place, you may still find yourself on the defense. Hence, it is important to stay covered. Do not take the risk because accidents do not make appointments.

Learn More About El Cerrito CA 94530

El Cerrito is a city in Contra Costa County, California with a total population of approximately 23,877. El Cerrito, which uses the 510 area code, is located at 37.92109, -122.289 at an elevation of 23 feet. There are over 10,323 households and on average there are 2.3 people in each household with a median age of 43.6. The average income in the area is $87,039 and the average home value is $606,800.