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General Liability Insurance in O Neals 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 Agency Near Me In O Neals 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 O Neals 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 O Neals CA 93645 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 O Neals is a type of commercial insurance plan that supplies liability coverage for general business risks. This type of insurance is generally the first line type of coverage a business gets, and it covers general typical risks like personal injury and property damage.

General liability insurance policies will cover you (and your business) in O Neals CA if you are held responsible for damages that occur on your property. Such a policy protects your business from pricey claims in case something goes wrong, 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 O Neals will not apply. Cases that are typically covered by individual or auto insurance might not be covered sometimes. General liability insurance policies are designed to cover for damages and physical injuries that arise from your products, services, and operations.

So, when does the coverage fail to apply?

• Car mishaps
• Expert mistakes
• Intentional acts
• Craftsmanship 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 development in case of legal action).

Therefore, it is wise to seek different insurance policies to cover these specific areas, otherwise your business will be at risk of a lawsuit in case these instances take place.

Marketing Injury

It is possible to cause what is described as “advertising 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 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 example, if someone 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 type of advertising injury given that the material 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 costs and should the aggrieved party be awarded compensation; it will cover that too.

Product Liability

O Neals General Liability InsuranceAs stated, it is possible for your services and products to cause injury. Products will sometimes cause the injuries far from your workplace. For example, if a home appliance malfunctions and in the process hurts 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 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 as well as immediate hospital bills.

To Conclude

General liability insurance coverage 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 procedures in place, you might still find yourself on the defense. Hence, it is important to stay covered. Do not take the risk because accidents don’t make appointments.

Learn More About O Neals CA 93645

O Neals is a city in Madera County, California with a total population of approximately 318. O Neals, which uses the 559 area code, is located at 37.13789, -119.672 at an elevation of 272 feet. There are over 132 households and on average there are 2.41 people in each household with a median age of 49. The average income in the area is $94,236 and the average home value is $331,400.