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 Mount Shasta 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 Mount Shasta 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 Mount Shasta CA 96067 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 Mount Shasta is a type of commercial insurance policy that provides 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 typical risks like personal injury and property damage.
General liability insurance plans will cover you (and your business) in Mount Shasta CA if you are held liable for damages that occur on your property. Such a policy protects your business from expensive claims in case something fails, 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 Mount Shasta will not apply. Cases that are usually covered by individual or automobile insurance may not be covered in many cases. 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?
• Auto accidents
• Expert mistakes
• Intentional 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 reimbursement or advancement in the event of legal action).
Therefore, it is a good idea to look for separate insurance policies to cover these particular areas, otherwise your business will be at risk of a claim in case these circumstances occur.
Marketing 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 workers or the business as a whole if they feel warranted.
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 result could be trouble for your company. This will be considered a type of advertising injury given that 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 expenses and should the aggrieved party be awarded compensation; 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 instance, if a device malfunctions and at the same time injures the user or causes an electric short that damages the user’s property, you will be held responsible for such damages.
Another situation would be if you run 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 compensation expenses along with immediate hospital expenses.
To Conclude
General liability insurance plans 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 might still find yourself on the defense. Thus, it is necessary to stay covered. Don’t take the risk because mishaps don’t make appointments.