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 Company Near Me In Half Moon Bay 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 Half Moon Bay 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 Half Moon Bay CA 94019 is always ready to assist you and answer any of your questions.
What Is General Liability Insurance
General liability insurance in Half Moon Bay is a type of business insurance policy that provides liability coverage for general business risks. This type of insurance is normally the first line type of protection a business gets, and it covers general typical risks like personal injury and property damage.
General liability insurance policies will cover you (and your business) in Half Moon Bay CA if you are held liable for damages that happen on your property. Such a policy protects your business from costly suits in case something fails, like a general repair that ends up with a wall tore down!
What General Liability Insurance Won’t Cover
There are circumstances where general liability insurance coverage in Half Moon Bay will not apply. Cases that are typically covered by individual or auto insurance might not be covered in some cases. General liability insurance coverages are developed to cover for damages and physical injuries that arise from your items, services, and operations.
So, when does the coverage fail to apply?
• Vehicle accidents
• Expert mistakes
• Intentional acts
• Craftsmanship errors
• 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 improvement in the event of legal action).
Therefore, it is wise to seek different insurance plans to cover these particular areas, otherwise your business will be at risk of a claim in case these circumstances occur.
It is possible to cause what is called as “advertising injury” when there is a copyright violation, slander or libel. Thus, the aggrieved party can sue your staff members or the business as a whole if they feel warranted.
In this age of social media and widespread digital connectivity, it is possible for a tweet or Facebook post to land your business in trouble. For example, 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 kind of advertising injury because the material will paint the aggrieved party in bad light, possibly impacting 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 granted a settlement; 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 workplace. For example, if an appliance malfunctions and in the process hurts the user or causes an electric short that damages the user’s property, you will be held liable for such damages.
Another scenario would be if you operate an eatery and a client happens to fall ill after consuming your food. In both circumstances, your business general liability policy will cover the litigation expenses and resultant settlement costs in addition to immediate hospital expenses.
General liability insurance coverage 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 very important to stay covered. Do not take the risk since accidents do not make appointments.