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 Mendocino 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 Mendocino 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 Mendocino CA 95460 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 Mendocino is a kind of commercial insurance plan that supplies 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 typical risks like personal injury and property damage.
General liability insurance coverages will cover you (and your business) in Mendocino CA if you are held liable for damages that occur on your property. Such a policy protects your business from pricey suits 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 instances where general liability insurance coverage in Mendocino will not apply. Cases that are typically covered by individual or auto insurance might not be covered in many cases. General liability insurance coverages are created 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
• Expert mistakes
• Intentional acts
• Craftsmanship 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 company as compensation or development in case of legal action).
Therefore, it is a good idea to seek separate insurance coverage to cover these specific areas, otherwise your business will be at risk of a claim in case these circumstances take place.
Marketing Injury
It is possible to cause what is termed as “marketing injury” when there is a copyright infringement, slander or libel. Hence, the aggrieved party can sue your workers or business as a whole if they feel justified.
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 example, 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 type of marketing injury given that the content 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 granted compensation; it will cover that too.
Product Liability
As specified, it is possible for your services and products to cause injury. Products will sometimes cause the injuries far from your business. 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 operate an eatery 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 compensation costs along with immediate hospital expenses.
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 measures in place, you might still find yourself on the defense. Hence, it is very important to stay covered. Don’t take the risk since mishaps don’t make appointments.