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 Agency Near Me In Indian Wells 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 Indian Wells 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 Indian Wells CA 92210 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 Indian Wells 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 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 Indian Wells CA if you are held responsible for damages that occur on your property. Such a policy protects your business from costly lawsuits 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 instances where general liability insurance coverage in Indian Wells will not apply. Cases that are generally covered by personal or automobile insurance may not be covered in many cases. General liability insurance plans 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 mishaps
• Expert mistakes
• Intentional acts
• Craftsmanship 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 reimbursement or advancement in the event of legal action).
Therefore, it is smart to look for separate insurance plans to cover these particular areas, otherwise your business will be at risk of a lawsuit in case these circumstances occur.
Marketing Injury
It is possible to cause what is termed as “marketing injury” when there is a copyright violation, slander or libel. Thus, the aggrieved party can sue your employees or business as a whole if they feel warranted.
In this age of social networks and prevalent 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 outcome could be trouble for your company. This will be considered a kind of advertising injury since the content will paint the aggrieved party in bad light, possibly impacting their public esteem and therefore, 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.
Item 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 place of business. For example, if a device malfunctions and while doing so hurts the user or causes an electrical 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 consumer happens to fall ill after consuming your food. In both instances, your business general liability policy will cover the litigation expenses and resultant settlement expenses along with immediate hospital bills.
To Conclude
General liability insurance plans 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 procedures in place, you might still find yourself on the defense. Hence, it is necessary to stay covered. Do not take the risk because accidents don’t make appointments.