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 Montrose 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 Montrose 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 Montrose CA 91020 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 Montrose is a type of business insurance plan that provides 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 common risks like personal injury and property damage.
General liability insurance plans will cover you (and your business) in Montrose CA if you are held responsible 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 ends up with a wall tore down!
What General Liability Insurance Won’t Cover
There are instances where general liability insurance coverage in Montrose will not apply. Cases that are normally covered by personal or auto insurance may not be covered in many cases. General liability insurance coverages are designed to cover for damages and physical injuries that result from your products, services, and operations.
So, when does the coverage fail to apply?
• Vehicle mishaps
• Professional mistakes
• Intentional acts
• Craftsmanship 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 compensation or improvement in the event of legal action).
Therefore, it is wise to look for separate insurance coverage to cover these specific areas, otherwise your business will be at risk of a suit in case these circumstances take place.
Advertising Injury
It is possible to cause what is called as “marketing injury” when there is a copyright violation, slander or libel. Thus, the aggrieved party can sue your employees or business as a whole if they feel warranted.
In this age of social media and prevalent 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 since the material will paint the aggrieved party in bad light, potentially 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 awarded payment; it will cover that too.
Item Liability
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 example, if a home appliance malfunctions and in the process 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 a restaurant and a consumer happens to fall ill after consuming your food. In both circumstances, your business general liability policy will cover the litigation costs and resultant compensation costs along with immediate hospital bills.
To Conclude
General liability insurance policies 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 may still find yourself on the defense. Hence, it is important to stay covered. Do not take the risk given that mishaps don’t make appointments.