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General Liability Insurance in El Dorado Hills 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 El Dorado Hills 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 Hills 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 Hills CA 95762 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 Hills is a type of industrial insurance coverage that offers liability coverage for general business risks. This kind of insurance is generally the first line type of protection a business gets, and it covers general typical risks like personal injury and property damage.

General liability insurance coverages will cover you (and your business) in El Dorado Hills CA if you are held accountable for damages that occur on your property. Such a policy protects your business from pricey suits in case something goes wrong, like a general repair that winds up with a wall tore down!

What General Liability Insurance Won’t Cover

There are circumstances where general liability insurance coverage in El Dorado Hills will not apply. Cases that are normally covered by individual or car insurance might not be covered sometimes. General liability insurance plans are developed to cover for damages and physical injuries that result from your items, services, and operations.

So, when does the coverage fail to apply?

• Vehicle mishaps
• Expert errors
• Intentional acts
• Workmanship 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 organization as reimbursement or advancement in the event of legal action).

Therefore, it is smart to seek different insurance coverage to cover these particular areas, otherwise your business will be at risk of a claim in case these instances take place.

Advertising Injury

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

In this age of social networks and prevalent digital connectivity, it is possible for a tweet or Facebook post to land your business in trouble. For instance, if someone 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 because the content will paint the aggrieved party in bad light, potentially affecting their public esteem and hence, their business.

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

Product Liability

El Dorado Hills 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 a home appliance malfunctions and in the process hurts 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 litigation expenses and resultant payment costs as well as immediate hospital costs.

To Conclude

General liability insurance plans 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 procedures in place, you might still find yourself on the defense. Thus, it is necessary to stay covered. Don’t take the risk since mishaps don’t make appointments.

Learn More About El Dorado Hills CA 95762

El Dorado Hills is a city in El Dorado County, California with a total population of approximately 38,797. El Dorado Hills, which uses the 916 area code, is located at 38.68268, -121.076 at an elevation of 1,866 feet. There are over 13,242 households and on average there are 2.93 people in each household with a median age of 40.4. The average income in the area is $119,152 and the average home value is $493,400.