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General Liability Insurance in Pleasant Hill 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 Company Near Me In Pleasant Hill 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 Pleasant Hill 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 Pleasant Hill CA 94523 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 Pleasant Hill is a type of industrial 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 typical risks like personal injury and property damage.

General liability insurance coverages will cover you (and your business) in Pleasant Hill CA if you are held accountable for damages that happen on your property. Such a policy protects your business from costly suits 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 Pleasant Hill will not apply. Cases that are normally covered by individual or automobile insurance may not be covered in many cases. General liability insurance plans are created to cover for damages and physical injuries that arise from your products, services, and operations.

So, when does the coverage fail to apply?

• Car accidents
• Expert errors
• Deliberate acts
• Craftsmanship errors
• 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 organization as repayment or advancement 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 instances happen.

Advertising Injury

It is possible to cause what is called as “marketing injury” when there is a copyright infringement, slander or libel. Thus, the aggrieved party can sue your staff members or the business as a whole if they feel warranted.

In this age of social media and widespread digital connection, it is possible for a tweet or Facebook post to land your business in trouble. For example, 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 result could be trouble for your company. This will be considered a type of advertising injury because the content will paint the aggrieved party in bad light, potentially affecting 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 granted compensation; it will cover that too.

Product Liability

Pleasant Hill General Liability InsuranceAs stated, it is possible for your product and services to cause injury. Products will in some cases cause the injuries far from your business. For instance, if a home appliance malfunctions and while doing so injures the user or causes an electrical short that damages the user’s property, you will be held accountable for such damages.

Another scenario 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 costs and resultant settlement costs in addition to immediate hospital bills.

To Conclude

General liability insurance policies 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. Hence, it is necessary to stay covered. Don’t take the risk considering that mishaps do not make appointments.

Learn More About Pleasant Hill CA 94523

Pleasant Hill is a city in Contra Costa County, California with a total population of approximately 33,569. Pleasant Hill, which uses the 925 area code, is located at 37.95376, -122.078 at an elevation of 23 feet. There are over 13,881 households and on average there are 2.38 people in each household with a median age of 40.7. The average income in the area is $81,599 and the average home value is $541,200.