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 Specialists Near Me In Live Oak 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 Live Oak 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 Live Oak CA 95953 is always ready to assist you and answer any of your questions.
What Is General Liability Insurance
General liability insurance in Live Oak is a kind of commercial insurance coverage that supplies liability coverage for general business risks. This type of insurance is generally the first line type of protection 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 Live Oak CA if you are held accountable for damages that happen on your property. Such a policy protects your business from pricey suits in case something goes wrong, like a general repair that winds up with a wall tore down!
What General Liability Insurance Won’t Cover
There are instances where general liability insurance coverage in Live Oak will not apply. Cases that are typically covered by individual or automobile insurance may not be covered in many cases. General liability insurance coverages are developed to cover for damages and physical injuries that result from your products, services, and operations.
So, when does the coverage fail to apply?
• Car accidents
• 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 organization as repayment or advancement in the event of legal action).
Therefore, it is a good idea to seek separate insurance coverage to cover these particular areas, otherwise your business will be at risk of a suit in case these circumstances take place.
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 the business as a whole if they feel warranted.
In this age of social media and widespread digital connection, it is possible for a tweet or Facebook post to land your business in trouble. For instance, if someone associated 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 content will paint the aggrieved party in bad light, potentially affecting 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 granted payment; it will cover that too.
As stated, it is possible for your services and products to cause injury. Products will sometimes cause the injuries far from your business. For instance, if an appliance malfunctions and in the process hurts the user or causes an electric short that damages the user’s property, you will be held responsible for such damages.
Another circumstance would be if you run a restaurant and a client happens to fall ill after consuming your food. In both circumstances, your business general liability policy will cover the lawsuits expenses and resultant compensation costs as well as immediate hospital costs.
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 steps in place, you might still find yourself on the defense. Thus, it is necessary to stay covered. Do not take the risk considering that accidents do not make appointments.