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 Agency Near Me In Monterey 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 Monterey 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 Monterey CA 93940 is always ready to assist you and answer any of your questions.
What Is General Liability Insurance
General liability insurance in Monterey is a kind of business insurance coverage that offers liability coverage for general business risks. This kind of insurance is generally the first line type of protection 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 Monterey CA if you are held responsible for damages that take place on your property. Such a policy protects your business from expensive lawsuits in case something goes wrong, like a general repair that winds up with a wall knocked down!
What General Liability Insurance Will Not Cover
There are circumstances where general liability insurance coverage in Monterey will not apply. Cases that are normally covered by personal or automobile insurance may not be covered sometimes. General liability insurance policies are created to cover for damages and bodily injuries that arise from your items, services, and operations.
So, when does the coverage fail to apply?
• Automobile mishaps
• Professional mistakes
• 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 reimbursement or development in the event of legal action).
Therefore, it is wise 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 take place.
It is possible to cause what is described as “advertising injury” when there is a copyright infringement, slander or libel. Hence, the aggrieved party can sue your employees or the business as a whole if they feel warranted.
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 someone connected 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 kind of advertising injury because the material will paint the aggrieved party in bad light, possibly affecting 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 specified, it is possible for your services and products to cause injury. Products will in some cases cause the injuries far from your place of business. For instance, if a device malfunctions and in the process hurts the user or causes an electric short that harms the user’s property, you will be held liable for such damages.
Another situation would be if you run a restaurant and a customer 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 coverage cover a business against a host of personal and property damages that are associated with your business. These damages can not be preempted, and even with protective steps in place, you might still find yourself on the defense. Thus, it is important to stay covered. Don’t take the risk because accidents do not make appointments.