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 Modesto 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 Modesto 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 Modesto CA 95350 is always ready to assist you and answer any of your questions.
What Is General Liability Insurance
General liability insurance in Modesto is a type of commercial insurance coverage that offers liability coverage for general business risks. This type of insurance is typically the first line type of coverage a business gets, and it covers general common risks like personal injury and property damage.
General liability insurance plans will cover you (and your business) in Modesto CA if you are held liable for damages that take place on your property. Such a policy protects your business from pricey claims in case something goes wrong, like a general repair that winds up with a wall tore down!
What General Liability Insurance Will Not Cover
There are circumstances where general liability insurance coverage in Modesto will not apply. Cases that are typically covered by personal or automobile insurance may not be covered sometimes. General liability insurance policies are created to cover for damages and physical injuries that arise from your items, services, and operations.
So, when does the coverage fail to apply?
• Automobile accidents
• Professional errors
• 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 company as compensation or improvement in case of legal action).
Therefore, it is a good idea to seek separate insurance plans to cover these particular areas, otherwise your business will be at risk of a claim in case these instances take place.
It is possible to cause what is called as “marketing injury” when there is a copyright infringement, slander or libel. Therefore, the aggrieved party can sue your employees or the business as a whole if they feel warranted.
In this age of social networks and widespread digital connectivity, it is possible for a tweet or Facebook post to land your business in trouble. For example, if someone 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 type of advertising injury considering 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 expenses and should the aggrieved party be granted a settlement; it will cover that too.
As mentioned, it is possible for your services and products to cause injury. Products will in some cases cause the injuries far from your workplace. For instance, if an appliance malfunctions and at the same time hurts the user or causes an electrical short that damages the user’s property, you will be held responsible for such damages.
Another circumstance would be if you operate 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 settlement expenses as well as immediate hospital costs.
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. Thus, it is necessary to stay covered. Don’t take the risk given that mishaps do not make appointments.