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General Liability Insurance in Lower Lake 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 Specialists Near Me In Lower Lake 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 Lower Lake 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 Lower Lake CA 95457 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 Lower Lake is a type of business insurance coverage that provides liability coverage for general business risks. This kind 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 policies will cover you (and your business) in Lower Lake CA if you are held liable for damages that take place on your property. Such a policy protects your business from pricey lawsuits in case something fails, like a general repair that winds up with a wall knocked down!

What General Liability Insurance Won’t Cover

There are circumstances where general liability insurance coverage in Lower Lake will not apply. Cases that are normally covered by personal or automobile insurance might not be covered in some cases. General liability insurance policies are developed to cover for damages and bodily injuries that result from your items, services, and operations.

So, when does the coverage fail to apply?

• Vehicle mishaps
• Professional mistakes
• Deliberate acts
• Craftsmanship errors
• 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 company as compensation or improvement in case of legal action).

Therefore, it is smart to look for separate insurance policies to cover these particular areas, otherwise your business will be at risk of a lawsuit in case these circumstances happen.

Advertising Injury

It is possible to cause what is described as “marketing injury” when there is a copyright infringement, slander or libel. Thus, the aggrieved party can sue your workers or business as a whole if they feel justified.

In this age of social networks and extensive digital connection, 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 type of advertising injury considering that the material will paint the aggrieved party in bad light, possibly impacting their public esteem and hence, their business.

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

Item Liability

Lower Lake General Liability InsuranceAs specified, 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 a home appliance malfunctions and in the process injures the user or causes an electric short that damages the user’s property, you will be held accountable for such damages.

Another circumstance would be if you run an eatery 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 payment costs 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 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. Therefore, it is important to stay covered. Don’t take the risk given that mishaps don’t make appointments.

Learn More About Lower Lake CA 95457

Lower Lake is a city in Lake County, California with a total population of approximately 2,893. Lower Lake, which uses the 707 area code, is located at 38.87829, -122.557 at an elevation of 1,343 feet. There are over 1,233 households and on average there are 2.26 people in each household with a median age of 49. The average income in the area is $38,456 and the average home value is $144,400.