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General Liability Insurance in Merced 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 Agency Near Me In Merced 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 Merced 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 Merced CA 95340 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 Merced is a kind of commercial insurance plan that provides liability coverage for general business risks. This kind of insurance is typically the first line type of coverage a business gets, and it covers general typical risks like personal injury and property damage.

General liability insurance policies will cover you (and your business) in Merced CA if you are held accountable for damages that happen 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 tore down!

What General Liability Insurance Will Not Cover

There are instances where general liability insurance coverage in Merced will not apply. Cases that are generally covered by individual or automobile insurance may not be covered sometimes. General liability insurance coverages are developed to cover for damages and bodily injuries that arise from your products, services, and operations.

So, when does the coverage fail to apply?

• Auto mishaps
• Expert errors
• Intentional acts
• Workmanship 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 development in case of legal action).

Therefore, it is a good idea to look for different insurance policies to cover these specific areas, otherwise your business will be at risk of a claim in case these instances take place.

Advertising Injury

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 staff members 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 instance, if somebody affiliated 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 marketing injury given that the content will paint the aggrieved party in bad light, potentially impacting 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 a settlement; it will cover that too.

Product Liability

Merced 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 place of business. For example, if an appliance malfunctions and in the process injures the user or causes an electric short that damages the user’s property, you will be held liable for such damages.

Another situation would be if you operate 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 costs 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 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. Hence, it is necessary to stay covered. Do not take the risk considering that mishaps do not make appointments.

Learn More About Merced CA 95340

Merced is a city in Merced County, California with a total population of approximately 33,931. Merced, which uses the 209 area code, is located at 37.37542, -120.38 at an elevation of 167 feet. There are over 11,546 households and on average there are 2.79 people in each household with a median age of 32.8. The average income in the area is $47,128 and the average home value is $181,500.