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General Liability Insurance in Monterey Park 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 Experts Near Me In Monterey Park 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 Park 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 Park CA 91754 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 Monterey Park is a type of industrial insurance coverage that offers liability coverage for general business risks. This type of insurance is generally the first line type of protection 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 Monterey Park CA if you are held responsible for damages that occur on your property. Such a policy protects your business from costly lawsuits in case something goes wrong, like a general repair that winds up with a wall tore down!

What General Liability Insurance Won’t Cover

There are circumstances where general liability insurance coverage in Monterey Park will not apply. Cases that are normally covered by personal or auto insurance might not be covered sometimes. General liability insurance policies 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?

• Auto mishaps
• Professional mistakes
• Deliberate acts
• Workmanship mistakes
• Damages due to alcohol or substance influence.
• Damages occasioned by contamination
• Directors and Officers liability (this is a policy that covers directors and officers of the company as repayment or advancement in case of legal action).

Therefore, it is smart to look for different insurance plans to cover these specific areas, otherwise your business will be at risk of a suit in case these instances happen.

Marketing Injury

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 workers or business as a whole if they feel justified.

In this age of social media and prevalent digital connectivity, it is possible for a tweet or Facebook post to land your business in trouble. For instance, if somebody 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 marketing injury since 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 costs and should the aggrieved party be awarded payment; it will cover that too.

Product Liability

Monterey Park General Liability InsuranceAs mentioned, it is possible for your services and products to cause injury. Products will sometimes cause the injuries far from your place of business. For instance, 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 liable for such damages.

Another situation would be if you operate 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 costs and resultant settlement expenses along with immediate hospital bills.

To Conclude

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 measures in place, you may still find yourself on the defense. Hence, it is very important to stay covered. Do not take the risk because accidents do not make appointments.

Learn More About Monterey Park CA 91754

Monterey Park is a city in Los Angeles County, California with a total population of approximately 32,742. Monterey Park, which uses the 818 area code, is located at 34.05258, -118.148 at an elevation of 267 feet. There are over 11,193 households and on average there are 2.92 people in each household with a median age of 42.9. The average income in the area is $57,463 and the average home value is $521,100.