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General Liability Insurance in Laguna Woods 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 Experts Near Me In Laguna Woods 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 Laguna Woods 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 Laguna Woods CA 92637 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 Laguna Woods is a type of business insurance coverage that offers 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 plans will cover you (and your business) in Laguna Woods 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 fails, like a general repair that winds up with a wall tore down!

What General Liability Insurance Will Not Cover

There are instances where general liability insurance coverage in Laguna Woods will not apply. Cases that are normally covered by individual or auto insurance may not be covered in many 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?

• Auto mishaps
• Professional mistakes
• Intentional acts
• Workmanship 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 repayment or advancement in the event of legal action).

Therefore, it is wise to look for separate insurance policies to cover these particular areas, otherwise your business will be at risk of a suit in case these instances take place.

Advertising Injury

It is possible to cause what is termed as “advertising 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 warranted.

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 instance, if someone affiliated 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 because the material will paint the aggrieved party in bad light, potentially impacting their public esteem and hence, their business.

Your general liability insurance coverage will come in handy to pay for legal costs and should the aggrieved party be granted payment; it will cover that too.

Product Liability

Laguna Woods General Liability InsuranceAs stated, it is possible for your services and products to cause injury. Products will in some cases cause the injuries far from your business. For instance, if a device malfunctions and while doing so injures the user or causes an electric short that damages the user’s property, you will be held liable 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 circumstances, your business general liability policy will cover the lawsuits costs and resultant settlement expenses in addition to immediate hospital bills.

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 procedures in place, you may still find yourself on the defense. Hence, it is important to stay covered. Do not take the risk since mishaps don’t make appointments.

Learn More About Laguna Woods CA 92637

Laguna Woods is a city in Orange County, California with a total population of approximately 16,012. Laguna Woods, which uses the 949 area code, is located at 33.60712, -117.731 at an elevation of 110 feet. There are over 11,143 households and on average there are 1.42 people in each household with a median age of 76.8. The average income in the area is $38,699 and the average home value is $211,500.