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General Liability Insurance in Garden Valley 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 Experts Near Me In Garden Valley 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 Garden Valley 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 Garden Valley CA 95633 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 Garden Valley is a kind of business insurance plan that supplies liability coverage for general business risks. This kind of insurance is typically the first line type of coverage 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 Garden Valley CA if you are held accountable for damages that occur on your property. Such a policy protects your business from pricey lawsuits 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 Garden Valley will not apply. Cases that are typically covered by individual or car insurance might not be covered in many cases. General liability insurance coverages are developed to cover for damages and physical injuries that arise from your products, services, and operations.

So, when does the coverage fail to apply?

• Auto accidents
• Expert mistakes
• Intentional acts
• Workmanship errors
• Damages due to liquor 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 improvement in case of legal action).

Therefore, it is smart to look for separate insurance policies to cover these specific areas, otherwise your business will be at risk of a lawsuit in case these circumstances take place.

Advertising Injury

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

In this age of social media and widespread digital connection, it is possible for a tweet or Facebook post to land your business in trouble. For instance, 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 kind of marketing injury since the material will paint the aggrieved party in bad light, possibly 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 a settlement; it will cover that too.

Product Liability

Garden Valley General Liability InsuranceAs stated, 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 injures the user or causes an electric short that damages the user’s property, you will be held liable for such damages.

Another situation would be if you run a restaurant and a client happens to fall ill after consuming your food. In both circumstances, your business general liability policy will cover the lawsuits expenses 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 related to your business. These damages can not be preempted, and even with protective procedures in place, you may still find yourself on the defense. Therefore, it is important to stay covered. Do not take the risk considering that accidents don’t make appointments.

Learn More About Garden Valley CA 95633

Garden Valley is a city in El Dorado County, California with a total population of approximately 3,349. Garden Valley, which uses the 530 area code, is located at 38.8535, -120.831 at an elevation of 1,866 feet. There are over 1,339 households and on average there are 2.48 people in each household with a median age of 48.5. The average income in the area is $73,301 and the average home value is $264,100.