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 Experts Near Me In Plymouth 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 Plymouth 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 Plymouth CA 95669 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 Plymouth is a type of industrial insurance policy that provides liability coverage for general business risks. This type of insurance is generally the first line type of protection 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 Plymouth CA if you are held accountable for damages that happen on your property. Such a policy protects your business from expensive suits 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 instances where general liability insurance coverage in Plymouth will not apply. Cases that are normally covered by individual or auto insurance might not be covered sometimes. General liability insurance policies are designed to cover for damages and physical injuries that result from your items, services, and operations.
So, when does the coverage fail to apply?
• Auto mishaps
• Expert mistakes
• 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 advancement in case of legal action).
Therefore, it is a good idea to seek separate insurance policies to cover these specific areas, otherwise your business will be at risk of a claim in case these instances occur.
Advertising Injury
It is possible to cause what is called as “advertising injury” when there is a copyright violation, slander or libel. Hence, the aggrieved party can sue your staff members or the business as a whole if they feel warranted.
In this age of social networks and prevalent digital connectivity, 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 outcome could be trouble for your company. This will be considered a type of marketing injury since the material 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 awarded payment; it will cover that too.
Item 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 business. For example, if an appliance malfunctions and at the same time injures the user or causes an electrical short that harms the user’s property, you will be held liable for such damages.
Another circumstance would be if you run a restaurant and a consumer 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 in addition to 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 measures in place, you may still find yourself on the defense. Therefore, it is important to stay covered. Don’t take the risk because accidents do not make appointments.