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General Liability Insurance in Placerville 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 Placerville 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 Placerville 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 Placerville CA 95667 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 Placerville is a type of industrial insurance policy that supplies 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 Placerville CA if you are held liable 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 knocked down!

What General Liability Insurance Will Not Cover

There are circumstances where general liability insurance coverage in Placerville will not apply. Cases that are typically covered by personal or automobile insurance may not be covered in some cases. General liability insurance policies are developed to cover for damages and bodily injuries that result from your products, services, and operations.

So, when does the coverage fail to apply?

• Auto accidents
• Professional mistakes
• Deliberate acts
• Craftsmanship 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 reimbursement or development in case of legal action).

Therefore, it is smart to look for different insurance policies to cover these specific areas, otherwise your business will be at risk of a claim in case these circumstances occur.

Advertising Injury

It is possible to cause what is termed as “marketing injury” when there is a copyright infringement, slander or libel. Therefore, the aggrieved party can sue your employees or business as a whole if they feel justified.

In this age of social media and prevalent digital connectivity, it is possible for a tweet or Facebook post to land your business in trouble. For instance, 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 kind of marketing injury since the content will paint the aggrieved party in bad light, possibly affecting their public esteem and therefore, their business.

Your general liability insurance coverage will come in handy to pay for legal costs and should the aggrieved party be granted a settlement; it will cover that too.

Item Liability

Placerville General Liability InsuranceAs stated, it is possible for your services and products to cause injury. Products will sometimes cause the injuries far from your place of business. For example, if a device 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 run an eatery and a customer happens to fall ill after consuming your food. In both instances, your business general liability policy will cover the lawsuits expenses and resultant compensation expenses as well as immediate hospital costs.

To Conclude

General liability insurance plans 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 measures in place, you may still find yourself on the defense. Hence, it is important to stay covered. Do not take the risk because accidents do not make appointments.

Learn More About Placerville CA 95667

Placerville is a city in El Dorado County, California with a total population of approximately 36,726. Placerville, which uses the 530 area code, is located at 38.75063, -120.789 at an elevation of 1,866 feet. There are over 14,820 households and on average there are 2.43 people in each household with a median age of 47.7. The average income in the area is $56,913 and the average home value is $319,600.