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 Lockwood 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 Lockwood 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 Lockwood CA 93932 is always ready to assist you and answer any of your questions.
What Is General Liability Insurance
General liability insurance in Lockwood is a kind of business insurance plan that provides 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 Lockwood CA if you are held accountable for damages that take place on your property. Such a policy protects your business from expensive suits in case something goes wrong, 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 Lockwood will not apply. Cases that are usually covered by personal or vehicle insurance might not be covered in some cases. General liability insurance policies are created to cover for damages and physical injuries that arise from your products, services, and operations.
So, when does the coverage fail to apply?
• Vehicle mishaps
• Expert mistakes
• Intentional acts
• Craftsmanship 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 organization as compensation or advancement in case of legal action).
Therefore, it is smart to look for separate insurance plans to cover these particular areas, otherwise your business will be at risk of a suit in case these circumstances happen.
It is possible to cause what is described as “advertising injury” when there is a copyright violation, 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 extensive digital connectivity, it is possible for a tweet or Facebook post to land your business in trouble. For instance, if somebody 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 kind of advertising injury given that the material will paint the aggrieved party in bad light, possibly 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 granted payment; it will cover that too.
As mentioned, it is possible for your product and services to cause injury. Products will in some cases cause the injuries far from your business. For instance, if an appliance malfunctions and at the same time hurts the user or causes an electric short that harms 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 litigation expenses and resultant settlement expenses in addition to immediate hospital costs.
General liability insurance policies 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 steps in place, you might still find yourself on the defense. Therefore, it is necessary to stay covered. Do not take the risk given that accidents do not make appointments.