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General Liability Insurance in El Sobrante 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 Sobrante 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 Sobrante 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 Sobrante CA 94803 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 Sobrante is a type of industrial insurance coverage that offers liability coverage for general business risks. This kind of insurance is normally the first line type of protection 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 Sobrante CA if you are held accountable for damages that take place on your property. Such a policy protects your business from costly claims in case something goes wrong, like a general repair that winds up with a wall knocked down!

What General Liability Insurance Will Not Cover

There are circumstances where general liability insurance coverage in El Sobrante will not apply. Cases that are generally covered by personal or car insurance might not be covered in some cases. General liability insurance policies are created to cover for damages and bodily injuries that result from your products, services, and operations.

So, when does the coverage fail to apply?

• Auto accidents
• Professional mistakes
• Intentional acts
• Workmanship mistakes
• 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 repayment or improvement in case of legal action).

Therefore, it is smart to seek separate insurance plans to cover these specific areas, otherwise your business will be at risk of a suit in case these circumstances occur.

Marketing Injury

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

In this age of social media and extensive digital connectivity, 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 considering that the material 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.

Item Liability

El Sobrante General Liability InsuranceAs mentioned, it is possible for your services and products to cause injury. Products will sometimes cause the injuries far from your place of business. For example, if an appliance malfunctions and while doing so hurts the user or causes an electric short that damages the user’s property, you will be held responsible for such damages.

Another situation would be if you operate a restaurant and a customer happens to fall ill after consuming your food. In both instances, your business general liability policy will cover the litigation costs and resultant settlement expenses along with immediate hospital costs.

To Conclude

General liability insurance policies 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. Hence, it is necessary to stay covered. Don’t take the risk because mishaps don’t make appointments.

Learn More About El Sobrante CA 94803

El Sobrante is a city in Contra Costa County, California with a total population of approximately 24,904. El Sobrante, which uses the 510 area code, is located at 37.96286, -122.282 at an elevation of 23 feet. There are over 9,111 households and on average there are 2.72 people in each household with a median age of 42.3. The average income in the area is $76,545 and the average home value is $360,900.