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 Agency Near Me In Finley 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 Finley 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 Finley CA 95435 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 Finley is a type of commercial insurance plan that provides liability coverage for general business risks. This kind of insurance is usually 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 Finley CA if you are held responsible for damages that happen on your property. Such a policy protects your business from expensive claims 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 instances where general liability insurance coverage in Finley will not apply. Cases that are generally covered by individual or automobile insurance may not be covered in many cases. General liability insurance plans are created to cover for damages and bodily injuries that arise from your products, services, and operations.
So, when does the coverage fail to apply?
• Vehicle accidents
• Professional mistakes
• Deliberate acts
• Craftsmanship mistakes
• 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 compensation or development in case of legal action).
Therefore, it is a good idea to seek separate insurance coverage to cover these particular areas, otherwise your business will be at risk of a suit in case these instances happen.
Advertising Injury
It is possible to cause what is termed as “advertising injury” when there is a copyright violation, slander or libel. Therefore, the aggrieved party can sue your employees or the 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 somebody affiliated 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 advertising injury since the content will paint the aggrieved party in bad light, potentially affecting 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 awarded compensation; it will cover that too.
Item Liability
As specified, it is possible for your services and products to cause injury. Products will sometimes cause the injuries far from your business. For example, if a device malfunctions and while doing so injures the user or causes an electrical short that damages the user’s property, you will be held responsible for such damages.
Another situation would be if you operate an eatery and a consumer happens to fall ill after consuming your food. In both circumstances, your business general liability policy will cover the lawsuits expenses and resultant compensation expenses in addition to immediate hospital expenses.
To Conclude
General liability insurance policies 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 procedures in place, you might still find yourself on the defense. Thus, it is important to stay covered. Don’t take the risk considering that mishaps do not make appointments.