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General Liability Insurance in Hermosa Beach 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 Agency Near Me In Hermosa Beach 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 Hermosa Beach 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 Hermosa Beach CA 90254 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 Hermosa Beach is a kind of industrial insurance policy that provides liability coverage for general business risks. This type 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 policies will cover you (and your business) in Hermosa Beach CA if you are held accountable for damages that take place on your property. Such a policy protects your business from pricey lawsuits in case something goes wrong, like a general repair that winds up with a wall knocked down!

What General Liability Insurance Won’t Cover

There are circumstances where general liability insurance coverage in Hermosa Beach will not apply. Cases that are typically covered by individual or vehicle insurance might not be covered sometimes. General liability insurance coverages 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?

• Vehicle accidents
• Expert mistakes
• 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 development in case of legal action).

Therefore, it is wise to seek different insurance policies to cover these particular areas, otherwise your business will be at risk of a lawsuit in case these instances occur.

Marketing Injury

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

In this age of social media and extensive digital connection, 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 marketing injury since the material will paint the aggrieved party in bad light, potentially 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 granted payment; it will cover that too.

Product Liability

Hermosa Beach General Liability InsuranceAs specified, it is possible for your services and products to cause injury. Products will sometimes cause the injuries far from your business. For instance, if an appliance malfunctions and at the same time injures the user or causes an electrical short that harms the user’s property, you will be held liable for such damages.

Another circumstance would be if you operate a restaurant 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 compensation expenses along with immediate hospital costs.

To Conclude

General liability insurance coverage 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 measures in place, you might still find yourself on the defense. Hence, it is very important to stay covered. Don’t take the risk given that accidents don’t make appointments.

Learn More About Hermosa Beach CA 90254

Hermosa Beach is a city in Los Angeles County, California with a total population of approximately 19,506. Hermosa Beach, which uses the 310/424 area code, is located at 33.86479, -118.397 at an elevation of 267 feet. There are over 9,550 households and on average there are 2.04 people in each household with a median age of 37. The average income in the area is $111,187 and the average home value is $1,086,200.