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General Liability Insurance in Lafayette CAThe 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 Company Near Me In Lafayette 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 Lafayette 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 Lafayette CA 94549 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 Lafayette is a type of business insurance coverage that supplies liability coverage for general business risks. This type of insurance is usually 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 Lafayette CA if you are held liable for damages that take place on your property. Such a policy protects your business from expensive lawsuits in case something fails, 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 Lafayette will not apply. Cases that are normally covered by individual or vehicle insurance may 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?

• Automobile mishaps
• Professional errors
• Deliberate acts
• Workmanship 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 company as repayment or advancement in the event of legal action).

Therefore, it is wise to seek different insurance coverage 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 described as “advertising injury” when there is a copyright infringement, slander or libel. Thus, the aggrieved party can sue your workers or the business as a whole if they feel justified.

In this age of social media and widespread digital connectivity, 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 kind of advertising injury considering that the material 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 costs and should the aggrieved party be granted compensation; it will cover that too.

Product Liability

Lafayette General Liability InsuranceAs mentioned, it is possible for your product and services to cause injury. Products will sometimes cause the injuries far from your place of business. For example, if a device malfunctions and at the same time hurts the user or causes an electrical short that harms the user’s property, you will be held responsible for such damages.

Another scenario would be if you operate a restaurant and a customer happens to fall ill after consuming your food. In both instances, your business general liability policy will cover the litigation costs and resultant settlement expenses in addition to immediate hospital bills.

To Conclude

General liability insurance coverage cover a business against a host of personal and property damages that are connected with your business. These damages can not be preempted, and even with protective measures in place, you might still find yourself on the defense. Therefore, it is very important to stay covered. Do not take the risk given that accidents do not make appointments.

Learn More About Lafayette CA 94549

Lafayette is a city in Contra Costa County, California with a total population of approximately 26,864. Lafayette, which uses the 925 area code, is located at 37.89011, -122.106 at an elevation of 23 feet. There are over 10,414 households and on average there are 2.57 people in each household with a median age of 45.9. The average income in the area is $137,989 and the average home value is $1,013,500.