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 Fort Bidwell 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 Fort Bidwell 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 Fort Bidwell CA 96112 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 Fort Bidwell is a kind of business insurance policy that supplies liability coverage for general business risks. This kind of insurance is usually the first line type of protection 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 Fort Bidwell CA if you are held accountable for damages that take place on your property. Such a policy protects your business from costly suits in case something fails, 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 Fort Bidwell will not apply. Cases that are usually covered by individual or auto insurance might not be covered sometimes. General liability insurance plans are designed to cover for damages and bodily injuries that result from your products, services, and operations.
So, when does the coverage fail to apply?
• Car accidents
• Expert errors
• Deliberate 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 compensation or advancement in the event of legal action).
Therefore, it is a good idea to look for separate insurance policies to cover these particular areas, otherwise your business will be at risk of a lawsuit in case these circumstances happen.
Marketing Injury
It is possible to cause what is called as “marketing injury” when there is a copyright infringement, slander or libel. Hence, the aggrieved party can sue your workers or business as a whole if they feel justified.
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 connected 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 marketing injury since the material will paint the aggrieved party in bad light, possibly impacting their public esteem and therefore, their business.
Your general liability insurance coverage will come in handy to pay for legal costs and should the aggrieved party be awarded a settlement; it will cover that too.
Item Liability
As mentioned, 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 in the process injures the user or causes an electrical short that damages the user’s property, you will be held liable 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 circumstances, your business general liability policy will cover the litigation costs and resultant settlement costs in addition to immediate hospital bills.
To Conclude
General liability insurance plans 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 may still find yourself on the defense. Therefore, it is necessary to stay covered. Don’t take the risk given that mishaps don’t make appointments.