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 Pacific Grove 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 Pacific Grove 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 Pacific Grove CA 93950 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 Pacific Grove is a type of commercial insurance coverage that supplies liability coverage for general business risks. This type of insurance is typically the first line type of coverage a business gets, and it covers general common risks like personal injury and property damage.
General liability insurance policies will cover you (and your business) in Pacific Grove CA if you are held responsible for damages that occur on your property. Such a policy protects your business from pricey suits in case something fails, like a general repair that winds up with a wall knocked down!
What General Liability Insurance Will Not Cover
There are instances where general liability insurance coverage in Pacific Grove will not apply. Cases that are usually covered by individual or auto insurance may not be covered in some cases. General liability insurance coverages are created to cover for damages and bodily injuries that arise from your items, services, and operations.
So, when does the coverage fail to apply?
• Automobile accidents
• Expert 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 repayment or advancement in the event of legal action).
Therefore, it is a good idea to look for different insurance coverage to cover these specific 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 “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 justified.
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 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 given 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 costs and should the aggrieved party be awarded a settlement; it will cover that too.
Product Liability
As mentioned, it is possible for your product and services to cause injury. Products will sometimes cause the injuries far from your place of business. For example, if an appliance malfunctions and at the same time 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 operate a restaurant and a customer happens to fall ill after consuming your food. In both instances, your business general liability policy will cover the lawsuits costs and resultant payment costs in addition to immediate hospital bills.
To Conclude
General liability insurance coverage cover a business against a host of personal and property damages that are associated 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 important to stay covered. Do not take the risk because mishaps don’t make appointments.