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 Irvine 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 Irvine 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 Irvine CA 92602 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 Irvine is a type of industrial insurance coverage that offers liability coverage for general business risks. This kind of insurance is usually 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 Irvine CA if you are held responsible 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 ends up with a wall knocked down!
What General Liability Insurance Will Not Cover
There are instances where general liability insurance coverage in Irvine will not apply. Cases that are usually covered by personal or car insurance might not be covered in some cases. General liability insurance coverages are created to cover for damages and physical injuries that arise from your items, services, and operations.
So, when does the coverage fail to apply?
• Auto mishaps
• Professional mistakes
• Deliberate acts
• Workmanship mistakes
• Damages due to liquor or substance influence.
• Damages occasioned by contamination
• Directors and Officers liability (this is a policy that covers directors and officers of the company as repayment or development in the event of legal action).
Therefore, it is a good idea to seek separate insurance plans to cover these particular areas, otherwise your business will be at risk of a claim in case these circumstances occur.
Advertising Injury
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 workers or business as a whole if they feel justified.
In this age of social media and extensive 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 marketing injury considering that the material will paint the aggrieved party in bad light, possibly affecting 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 a settlement; 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 place of business. For example, if an appliance malfunctions and in the process injures the user or causes an electrical short that harms the user’s property, you will be held accountable for such damages.
Another scenario would be if you run 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 costs and resultant settlement costs as well as immediate hospital expenses.
To Conclude
General liability insurance policies 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 since accidents don’t make appointments.