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 Experts Near Me In Merced County 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 County 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 County CA is always ready to assist you and answer any of your questions.
What Is General Liability Insurance
General liability insurance in Merced County is a kind of commercial insurance plan that offers liability coverage for general business risks. This type of insurance is normally the first line type of coverage a business gets, and it covers general typical risks like personal injury and property damage.
General liability insurance plans will cover you (and your business) in Merced County CA if you are held responsible for damages that take place on your property. Such a policy protects your business from expensive suits in case something fails, like a general repair that ends up with a wall knocked down!
What General Liability Insurance Won’t Cover
There are circumstances where general liability insurance coverage in Merced County will not apply. Cases that are usually covered by personal or auto insurance may not be covered in some cases. General liability insurance plans are developed to cover for damages and bodily injuries that arise from your items, services, and operations.
So, when does the coverage fail to apply?
• Vehicle accidents
• Professional 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 organization as reimbursement or development in the event of legal action).
Therefore, it is a good idea to look for separate insurance coverage to cover these particular areas, otherwise your business will be at risk of a lawsuit in case these circumstances happen.
It is possible to cause what is termed as “marketing injury” when there is a copyright infringement, slander or libel. Therefore, the aggrieved party can sue your employees or business as a whole if they feel warranted.
In this age of social media and widespread digital connectivity, it is possible for a tweet or Facebook post to land your business in trouble. For example, if someone 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 content will paint the aggrieved party in bad light, possibly affecting 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 payment; it will cover that too.
As specified, it is possible for your services and products to cause injury. Products will in some cases cause the injuries far from your workplace. For example, if a home appliance malfunctions and while doing so hurts the user or causes an electrical short that damages the user’s property, you will be held liable for such damages.
Another situation would be if you run an eatery and a consumer happens to fall ill after consuming your food. In both instances, your business general liability policy will cover the litigation costs and resultant payment expenses along with immediate hospital bills.
General liability insurance plans 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 may still find yourself on the defense. Therefore, it is important to stay covered. Do not take the risk given that mishaps don’t make appointments.
- General Liability Insurance Atwater CA
- General Liability Insurance Ballico CA
- General Liability Insurance Cressey CA
- General Liability Insurance Delhi CA
- General Liability Insurance Dos Palos CA
- General Liability Insurance El Nido CA
- General Liability Insurance Gustine CA
- General Liability Insurance Hilmar CA
- General Liability Insurance Le Grand CA
- General Liability Insurance Livingston CA
- General Liability Insurance Los Banos CA
- General Liability Insurance Merced CA
- General Liability Insurance Planada CA
- General Liability Insurance Santa Rita Park CA
- General Liability Insurance Snelling CA
- General Liability Insurance South Dos Palos CA
- General Liability Insurance Stevinson CA
- General Liability Insurance Winton CA