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 Empire 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 Empire 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 Empire CA 95319 is always ready to assist you and answer any of your questions.
What Is General Liability Insurance
General liability insurance in Empire is a type of commercial insurance plan that supplies liability coverage for general business risks. This kind of insurance is normally the first line type of coverage a business gets, and it covers general common risks like personal injury and property damage.
General liability insurance policies will cover you (and your business) in Empire CA if you are held responsible for damages that occur 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 knocked down!
What General Liability Insurance Won’t Cover
There are instances where general liability insurance coverage in Empire will not apply. Cases that are normally covered by individual or automobile insurance may not be covered in many cases. General liability insurance plans are designed to cover for damages and bodily injuries that result from your items, services, and operations.
So, when does the coverage fail to apply?
• Car mishaps
• Expert errors
• 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 company as reimbursement or advancement in the event of legal action).
Therefore, it is wise to look for separate insurance policies to cover these specific areas, otherwise your business will be at risk of a lawsuit in case these instances take place.
It is possible to cause what is described as “marketing injury” when there is a copyright infringement, slander or libel. Therefore, the aggrieved party can sue your workers or the 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 instance, 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 advertising injury given that the content will paint the aggrieved party in bad light, possibly affecting their public esteem and thus, their business.
Your general liability insurance coverage will come in handy to pay for legal expenses and should the aggrieved party be awarded payment; it will cover that too.
As mentioned, it is possible for your product and services to cause injury. Products will in some cases cause the injuries far from your business. For instance, if a device malfunctions and at the same time hurts the user or causes an electrical 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 consumer happens to fall ill after consuming your food. In both instances, your business general liability policy will cover the lawsuits costs and resultant payment costs along with immediate hospital expenses.
General liability insurance policies 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. Therefore, it is essential to stay covered. Do not take the risk given that mishaps don’t make appointments.