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 Company Near Me In Lake Elsinore 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 Lake Elsinore 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 Lake Elsinore CA 92530 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 Lake Elsinore is a type of commercial insurance policy that supplies liability coverage for general business risks. This kind of insurance is typically the first line type of protection 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 Lake Elsinore CA if you are held responsible for damages that occur on your property. Such a policy protects your business from expensive lawsuits in case something goes wrong, like a general repair that ends up with a wall tore down!
What General Liability Insurance Won’t Cover
There are circumstances where general liability insurance coverage in Lake Elsinore will not apply. Cases that are normally covered by personal or auto insurance may not be covered in many 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?
• Car mishaps
• Expert mistakes
• Deliberate 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 organization as repayment or development in case of legal action).
Therefore, it is wise to look for different insurance coverage to cover these specific areas, otherwise your business will be at risk of a suit in case these instances happen.
Advertising Injury
It is possible to cause what is described as “advertising injury” when there is a copyright violation, slander or libel. Therefore, the aggrieved party can sue your workers or business as a whole if they feel justified.
In this age of social media and prevalent digital connection, it is possible for a tweet or Facebook post to land your business in trouble. For instance, 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 outcome could be trouble for your company. This will be considered a type of advertising injury considering that the material will paint the aggrieved party in bad light, possibly affecting their public esteem and thus, their business.
Your general liability insurance coverage will come in handy to pay for legal expenses and should the aggrieved party be granted compensation; it will cover that too.
Product Liability
As stated, it is possible for your product and services to cause injury. Products will sometimes cause the injuries far from your workplace. For example, if a device malfunctions and while doing so injures the user or causes an electric short that harms the user’s property, you will be held liable for such damages.
Another circumstance would be if you run an eatery and a customer happens to fall ill after consuming your food. In both instances, your business general liability policy will cover the litigation expenses and resultant payment expenses as well as 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 may still find yourself on the defense. Thus, it is important to stay covered. Don’t take the risk because accidents do not make appointments.