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 Experts Near Me In Hughson 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 Hughson 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 Hughson CA 95326 is always ready to assist you and answer any of your questions.
What Is General Liability Insurance
General liability insurance in Hughson is a type 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 typical risks like personal injury and property damage.
General liability insurance policies will cover you (and your business) in Hughson CA if you are held liable for damages that take place on your property. Such a policy protects your business from costly claims in case something goes wrong, like a general repair that winds up with a wall knocked down!
What General Liability Insurance Will Not Cover
There are instances where general liability insurance coverage in Hughson will not apply. Cases that are typically covered by individual or vehicle insurance might not be covered in many cases. General liability insurance coverages are created to cover for damages and bodily injuries that result from your products, services, and operations.
So, when does the coverage fail to apply?
• Auto mishaps
• Professional errors
• Deliberate acts
• Workmanship mistakes
• 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 company as compensation or improvement in case of legal action).
Therefore, it is wise to seek different insurance policies to cover these specific areas, otherwise your business will be at risk of a suit in case these circumstances take place.
It is possible to cause what is termed as “marketing injury” when there is a copyright violation, slander or libel. Therefore, the aggrieved party can sue your workers or the business as a whole if they feel justified.
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 associated to your business makes a joke that the grieved party finds offensive and to make matters worse, the post goes viral; the outcome could be trouble for your company. This will be considered a type of advertising injury given that the material 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 granted a settlement; it will cover that too.
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 an appliance 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 scenario would be if you run a restaurant and a customer happens to fall ill after consuming your food. In both instances, your business general liability policy will cover the lawsuits expenses and resultant payment costs along with immediate hospital costs.
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 steps in place, you might still find yourself on the defense. Thus, it is essential to stay covered. Do not take the risk given that mishaps don’t make appointments.