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 Agency Near Me In Pebble Beach 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 Pebble Beach 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 Pebble Beach CA 93953 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 Pebble Beach is a type of business insurance coverage 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 common risks like personal injury and property damage.
General liability insurance coverages will cover you (and your business) in Pebble Beach 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 knocked down!
What General Liability Insurance Will Not Cover
There are circumstances where general liability insurance coverage in Pebble Beach will not apply. Cases that are normally covered by personal or auto insurance may not be covered in many cases. General liability insurance coverages are developed to cover for damages and physical injuries that result from your items, services, and operations.
So, when does the coverage fail to apply?
• Car mishaps
• Professional errors
• Deliberate acts
• Workmanship errors
• 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 repayment or development in case of legal action).
Therefore, it is a good idea to seek separate insurance plans to cover these particular areas, otherwise your business will be at risk of a claim in case these circumstances take place.
Advertising Injury
It is possible to cause what is called as “advertising injury” when there is a copyright infringement, slander or libel. Thus, the aggrieved party can sue your workers or business as a whole if they feel justified.
In this age of social networks and extensive digital connection, it is possible for a tweet or Facebook post to land your business in trouble. For instance, if somebody 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 kind of marketing 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 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 in some cases cause the injuries far from your workplace. For example, if a device malfunctions and in the process injures the user or causes an electric short that harms the user’s property, you will be held liable for such damages.
Another scenario would be if you operate a restaurant and a customer happens to fall ill after consuming your food. In both circumstances, your business general liability policy will cover the lawsuits costs and resultant compensation expenses along with immediate hospital bills.
To Conclude
General liability insurance plans 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 measures in place, you may still find yourself on the defense. Thus, it is necessary to stay covered. Don’t take the risk considering that mishaps don’t make appointments.