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 Specialists Near Me In El Dorado 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 Dorado 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 Dorado CA 95623 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 Dorado is a kind of business insurance plan that supplies liability coverage for general business risks. This type of insurance is generally the first line type of coverage a business gets, and it covers general common risks like personal injury and property damage.
General liability insurance coverages will cover you (and your business) in El Dorado 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 winds up with a wall tore down!
What General Liability Insurance Will Not Cover
There are circumstances where general liability insurance coverage in El Dorado will not apply. Cases that are typically covered by individual or vehicle insurance may not be covered in many cases. General liability insurance coverages are developed to cover for damages and physical injuries that result from your products, services, and operations.
So, when does the coverage fail to apply?
• Automobile 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 company as compensation or development in case of legal action).
Therefore, it is smart to look for different insurance plans to cover these particular areas, otherwise your business will be at risk of a lawsuit in case these instances happen.
Marketing Injury
It is possible to cause what is described as “marketing injury” when there is a copyright violation, slander or libel. Hence, the aggrieved party can sue your staff members or business as a whole if they feel justified.
In this age of social networks and prevalent digital connection, it is possible for a tweet or Facebook post to land your business in trouble. For example, 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 outcome could be trouble for your company. This will be considered a kind of marketing injury given that the material will paint the aggrieved party in bad light, possibly impacting their public esteem and thus, 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.
Item 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 business. For instance, if a home appliance malfunctions and at the same time hurts the user or causes an electric short that harms the user’s property, you will be held responsible for such damages.
Another circumstance would be if you run an eatery and a customer happens to fall ill after consuming your food. In both instances, your business general liability policy will cover the litigation expenses and resultant compensation 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 associated with 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 considering that accidents don’t make appointments.