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 Company Near Me In Moss Landing 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 Moss Landing 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 Moss Landing CA 95039 is always ready to assist you and answer any of your questions.
What Is General Liability Insurance
General liability insurance in Moss Landing is a type of industrial insurance policy that offers liability coverage for general business risks. This kind of insurance is normally 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 Moss Landing CA if you are held responsible for damages that occur on your property. Such a policy protects your business from expensive suits in case something fails, like a general repair that ends up with a wall knocked down!
What General Liability Insurance Won’t Cover
There are instances where general liability insurance coverage in Moss Landing will not apply. Cases that are normally covered by personal or automobile insurance might not be covered in many cases. General liability insurance coverages are developed to cover for damages and bodily injuries that arise from your items, services, and operations.
So, when does the coverage fail to apply?
• Automobile accidents
• Professional errors
• Deliberate acts
• Craftsmanship errors
• 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 organization as repayment or advancement in case of legal action).
Therefore, it is wise to look for different insurance coverage to cover these specific areas, otherwise your business will be at risk of a lawsuit in case these instances occur.
It is possible to cause what is described 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 networks and widespread 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 outcome could be trouble for your company. This will be considered a kind of advertising injury considering that the content will paint the aggrieved party in bad light, possibly impacting 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 granted a settlement; it will cover that too.
As mentioned, 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 in the process hurts the user or causes an electrical short that damages the user’s property, you will be held accountable for such damages.
Another circumstance would be if you operate 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 expenses and resultant settlement costs along with immediate hospital expenses.
General liability insurance coverage 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 steps in place, you may still find yourself on the defense. Hence, it is necessary to stay covered. Do not take the risk since mishaps do not make appointments.