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 La Jolla 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 La Jolla 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 La Jolla CA 92037 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 La Jolla is a type of business insurance policy that supplies 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 typical risks like personal injury and property damage.
General liability insurance policies will cover you (and your business) in La Jolla CA if you are held accountable for damages that occur on your property. Such a policy protects your business from pricey claims in case something fails, like a general repair that winds up with a wall tore down!
What General Liability Insurance Will Not Cover
There are circumstances where general liability insurance coverage in La Jolla will not apply. Cases that are normally covered by personal or vehicle insurance might not be covered sometimes. General liability insurance plans are designed to cover for damages and physical injuries that arise from your products, services, and operations.
So, when does the coverage fail to apply?
• Car mishaps
• Professional errors
• Intentional 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 repayment or improvement in case of legal action).
Therefore, it is wise to seek separate insurance policies to cover these specific areas, otherwise your business will be at risk of a suit in case these circumstances take place.
Marketing Injury
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 employees or the business as a whole if they feel justified.
In this age of social media and prevalent digital connectivity, 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 outcome could be trouble for your company. This will be considered a kind of marketing injury since the content will paint the aggrieved party in bad light, potentially impacting 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 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 workplace. For instance, if a device malfunctions and while doing so injures the user or causes an electrical short that damages the user’s property, you will be held responsible for such damages.
Another scenario would be if you operate an eatery and a client happens to fall ill after consuming your food. In both instances, your business general liability policy will cover the lawsuits costs and resultant payment costs in addition to immediate hospital costs.
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 essential to stay covered. Don’t take the risk because mishaps don’t make appointments.