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 Moraga 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 Moraga 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 Moraga CA 94556 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 Moraga is a type of commercial insurance coverage that supplies liability coverage for general business risks. This kind of insurance is typically 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 Moraga CA if you are held liable for damages that take place on your property. Such a policy protects your business from costly suits 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 instances where general liability insurance coverage in Moraga will not apply. Cases that are normally covered by personal or automobile insurance may not be covered in some cases. General liability insurance policies are designed to cover for damages and bodily injuries that result from your products, services, and operations.
So, when does the coverage fail to apply?
• Auto accidents
• Expert mistakes
• Intentional acts
• Workmanship errors
• 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 repayment or advancement in case of legal action).
Therefore, it is wise to look for separate insurance plans to cover these specific areas, otherwise your business will be at risk of a lawsuit in case these circumstances happen.
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 justified.
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 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 type of marketing injury since the content will paint the aggrieved party in bad light, potentially affecting their public esteem and hence, their business.
Your general liability insurance coverage will come in handy to pay for legal expenses and should the aggrieved party be awarded payment; it will cover that too.
Item Liability
As specified, it is possible for your product and services to cause injury. Products will sometimes cause the injuries far from your workplace. For instance, if a home appliance malfunctions and while doing so injures the user or causes an electrical short that harms the user’s property, you will be held responsible for such damages.
Another scenario would be if you run 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 expenses and resultant compensation expenses in addition to immediate hospital bills.
To Conclude
General liability insurance plans 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 very important to stay covered. Don’t take the risk considering that mishaps do not make appointments.