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 Napa County 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 Napa County 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 Napa County CA is always ready to assist you and answer any of your questions.
What Is General Liability Insurance
General liability insurance in Napa County is a type of commercial insurance plan that offers liability coverage for general business risks. This type of insurance is usually the first line type of protection a business gets, and it covers general common risks like personal injury and property damage.
General liability insurance coverages will cover you (and your business) in Napa County CA if you are held accountable for damages that occur on your property. Such a policy protects your business from costly lawsuits in case something fails, like a general repair that winds up with a wall tore down!
What General Liability Insurance Will Not Cover
There are instances where general liability insurance coverage in Napa County will not apply. Cases that are generally covered by personal or automobile insurance may not be covered in some cases. General liability insurance coverages are developed to cover for damages and physical injuries that arise from your products, services, and operations.
So, when does the coverage fail to apply?
• Auto mishaps
• Professional errors
• Intentional acts
• Workmanship mistakes
• 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 compensation or improvement in the event of legal action).
Therefore, it is wise to look for different insurance policies to cover these particular areas, otherwise your business will be at risk of a suit in case these circumstances occur.
It is possible to cause what is described as “marketing injury” when there is a copyright infringement, slander or libel. Thus, the aggrieved party can sue your staff members or business as a whole if they feel justified.
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 type of marketing injury because the material 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 expenses and should the aggrieved party be awarded a settlement; it will cover that too.
As stated, it is possible for your services and products to cause injury. Products will sometimes cause the injuries far from your business. For example, if a device malfunctions and in the process injures the user or causes an electric short that damages the user’s property, you will be held responsible for such damages.
Another scenario would be if you operate an eatery and a consumer happens to fall ill after consuming your food. In both circumstances, your business general liability policy will cover the lawsuits costs and resultant settlement costs in addition to immediate hospital costs.
General liability insurance policies 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 steps in place, you may still find yourself on the defense. Thus, it is necessary to stay covered. Do not take the risk given that accidents do not make appointments.
- General Liability Insurance American Canyon CA
- General Liability Insurance Angwin CA
- General Liability Insurance Calistoga CA
- General Liability Insurance Deer Park CA
- General Liability Insurance Napa CA
- General Liability Insurance Oakville CA
- General Liability Insurance Pope Valley CA
- General Liability Insurance Rutherford CA
- General Liability Insurance Saint Helena CA
- General Liability Insurance Yountville CA