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 Novato 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 Novato 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 Novato CA 94945 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 Novato is a kind of business 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 Novato CA if you are held accountable for damages that happen on your property. Such a policy protects your business from costly 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 circumstances where general liability insurance coverage in Novato will not apply. Cases that are usually covered by personal or automobile insurance may not be covered in some cases. General liability insurance plans are designed to cover for damages and physical injuries that result from your items, services, and operations.
So, when does the coverage fail to apply?
• Car accidents
• Expert errors
• Deliberate acts
• Workmanship mistakes
• 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 company as reimbursement or development in case of legal action).
Therefore, it is smart to look for separate insurance plans to cover these particular areas, otherwise your business will be at risk of a claim in case these instances take place.
Advertising Injury
It is possible to cause what is termed as “marketing injury” when there is a copyright violation, slander or libel. Hence, the aggrieved party can sue your staff members or business as a whole if they feel warranted.
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 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 type of advertising injury considering that the content will paint the aggrieved party in bad light, possibly impacting 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 compensation; it will cover that too.
Product Liability
As stated, it is possible for your product and services to cause injury. Products will sometimes cause the injuries far from your business. For instance, if a home appliance malfunctions and in the process hurts the user or causes an electrical short that harms the user’s property, you will be held liable for such damages.
Another situation would be if you operate 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 payment costs in addition to 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 might still find yourself on the defense. Thus, it is very important to stay covered. Don’t take the risk considering that accidents do not make appointments.