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 Imperial 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 Imperial 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 Imperial Beach CA 91932 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 Imperial Beach is a type of business insurance policy that provides liability coverage for general business risks. This type of insurance is generally the first line type of protection a business gets, and it covers general common risks like personal injury and property damage.
General liability insurance plans will cover you (and your business) in Imperial Beach CA if you are held accountable for damages that happen on your property. Such a policy protects your business from pricey claims in case something goes wrong, like a general repair that ends up with a wall knocked down!
What General Liability Insurance Will Not Cover
There are circumstances where general liability insurance coverage in Imperial Beach will not apply. Cases that are usually covered by personal or vehicle insurance might not be covered in some cases. General liability insurance plans are designed to cover for damages and bodily injuries that arise from your items, services, and operations.
So, when does the coverage fail to apply?
• Car accidents
• Professional mistakes
• Deliberate acts
• Craftsmanship mistakes
• 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 advancement in case of legal action).
Therefore, it is wise to look for separate insurance coverage to cover these specific areas, otherwise your business will be at risk of a claim in case these instances take place.
Marketing Injury
It is possible to cause what is called as “advertising injury” when there is a copyright infringement, slander or libel. Therefore, the aggrieved party can sue your employees 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 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 given that 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 expenses and should the aggrieved party be awarded compensation; it will cover that too.
Product Liability
As specified, it is possible for your product and services to cause injury. Products will in some cases cause the injuries far from your business. For example, if an appliance malfunctions and while doing so injures the user or causes an electric short that harms the user’s property, you will be held responsible 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 circumstances, your business general liability policy will cover the litigation costs and resultant compensation expenses along with immediate hospital expenses.
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 steps in place, you might still find yourself on the defense. Therefore, it is essential to stay covered. Do not take the risk because mishaps don’t make appointments.