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 Montara 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 Montara 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 Montara CA 94037 is always ready to assist you and answer any of your questions.
What Is General Liability Insurance
General liability insurance in Montara is a type of commercial insurance coverage that offers liability coverage for general business risks. This type of insurance is usually the first line type of protection 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 Montara CA if you are held accountable for damages that happen on your property. Such a policy protects your business from costly suits in case something goes wrong, like a general repair that ends up with a wall tore down!
What General Liability Insurance Will Not Cover
There are circumstances where general liability insurance coverage in Montara will not apply. Cases that are typically covered by individual or automobile insurance may not be covered in some cases. General liability insurance plans 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?
• Car accidents
• Professional errors
• Deliberate acts
• Workmanship mistakes
• Damages due to alcohol 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 development in case of legal action).
Therefore, it is wise to seek different insurance plans to cover these particular areas, otherwise your business will be at risk of a lawsuit in case these circumstances occur.
It is possible to cause what is termed as “marketing injury” when there is a copyright violation, slander or libel. Hence, the aggrieved party can sue your workers or the business as a whole if they feel warranted.
In this age of social media and extensive digital connection, it is possible for a tweet or Facebook post to land your business in trouble. For instance, 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 kind of marketing injury given that the content will paint the aggrieved party in bad light, potentially impacting their public esteem and therefore, their business.
Your general liability insurance coverage will come in handy to pay for legal costs and should the aggrieved party be granted a settlement; it will cover that too.
As mentioned, 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 a home appliance malfunctions and while doing so injures 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 run an eatery and a customer happens to fall ill after consuming your food. In both instances, your business general liability policy will cover the litigation expenses and resultant compensation expenses as well as immediate hospital expenses.
General liability insurance coverage cover a business against a host of personal and property damages that are connected with 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 necessary to stay covered. Don’t take the risk considering that accidents don’t make appointments.