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General Liability Insurance in Morongo Valley 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 Morongo Valley 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 Morongo Valley 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 Morongo Valley CA 92256 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 Morongo Valley is a type of industrial insurance plan 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 Morongo Valley CA if you are held accountable for damages that take place on your property. Such a policy protects your business from pricey 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 circumstances where general liability insurance coverage in Morongo Valley will not apply. Cases that are usually covered by personal or automobile insurance might not be covered sometimes. General liability insurance policies are developed to cover for damages and bodily injuries that result from your products, services, and operations.

So, when does the coverage fail to apply?

• Car accidents
• Professional mistakes
• Deliberate acts
• Workmanship mistakes
• Damages due to liquor 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 seek separate insurance policies to cover these specific areas, otherwise your business will be at risk of a suit in case these instances occur.

Marketing Injury

It is possible to cause what is described as “marketing injury” when there is a copyright violation, slander or libel. Thus, the aggrieved party can sue your workers or business as a whole if they feel justified.

In this age of social media and widespread digital connectivity, it is possible for a tweet or Facebook post to land your business in trouble. For example, if somebody associated 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 considering that the material will paint the aggrieved party in bad light, possibly 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 granted payment; it will cover that too.

Product Liability

Morongo Valley General Liability InsuranceAs mentioned, it is possible for your services and products to cause injury. Products will sometimes cause the injuries far from your workplace. For example, if an appliance malfunctions and at the same time hurts the user or causes an electrical short that damages the user’s property, you will be held accountable for such damages.

Another scenario 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 lawsuits costs and resultant payment costs as well as immediate hospital bills.

To Conclude

General liability insurance policies cover a business against a host of personal and property damages that are related to your business. These damages can not be preempted, and even with protective procedures in place, you may still find yourself on the defense. Therefore, it is essential to stay covered. Do not take the risk given that mishaps don’t make appointments.

Learn More About Morongo Valley CA 92256

Morongo Valley is a city in San Bernardino County, California with a total population of approximately 3,588. Morongo Valley, which uses the 442/760 area code, is located at 34.10493, -116.587 at an elevation of 1,077 feet. There are over 1,622 households and on average there are 2.21 people in each household with a median age of 47.3. The average income in the area is $34,057 and the average home value is $113,600.