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 Specialists Near Me In Ocotillo 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 Ocotillo 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 Ocotillo CA 92259 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 Ocotillo is a kind of commercial insurance plan that provides 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 Ocotillo CA if you are held liable for damages that happen on your property. Such a policy protects your business from costly claims in case something goes wrong, like a general repair that ends up with a wall knocked down!
What General Liability Insurance Won’t Cover
There are circumstances where general liability insurance coverage in Ocotillo will not apply. Cases that are normally covered by personal or automobile insurance may not be covered in some cases. General liability insurance policies are created to cover for damages and bodily injuries that result from your products, services, and operations.
So, when does the coverage fail to apply?
• Car accidents
• Expert mistakes
• Deliberate acts
• Workmanship errors
• Damages due to alcohol or substance influence.
• Damages occasioned by pollution
• Directors and Officers liability (this is a policy that covers directors and officers of the organization as compensation 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 lawsuit in case these instances happen.
Advertising Injury
It is possible to cause what is described as “advertising injury” when there is a copyright violation, slander or libel. Thus, the aggrieved party can sue your employees or business as a whole if they feel warranted.
In this age of social media and extensive digital connection, it is possible for a tweet or Facebook post to land your business in trouble. For example, if somebody associated 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 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 expenses and should the aggrieved party be awarded payment; it will cover that too.
Item Liability
As stated, it is possible for your product and services to cause injury. Products will in some cases cause the injuries far from your place of business. For instance, if a device malfunctions and while doing so hurts the user or causes an electric short that damages the user’s property, you will be held liable for such damages.
Another situation would be if you run a restaurant and a client happens to fall ill after consuming your food. In both instances, your business general liability policy will cover the litigation costs and resultant payment expenses as well as immediate hospital expenses.
To Conclude
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 procedures in place, you may still find yourself on the defense. Thus, it is very important to stay covered. Don’t take the risk because mishaps don’t make appointments.