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 Point Arena 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 Point Arena 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 Point Arena CA 95468 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 Point Arena is a type of business insurance policy that offers liability coverage for general business risks. This type of insurance is normally the first line type of coverage a business gets, and it covers general typical risks like personal injury and property damage.
General liability insurance plans will cover you (and your business) in Point Arena 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 fails, like a general repair that winds up with a wall tore down!
What General Liability Insurance Won’t Cover
There are instances where general liability insurance coverage in Point Arena will not apply. Cases that are usually covered by individual or vehicle insurance might not be covered sometimes. General liability insurance coverages are created to cover for damages and bodily injuries that arise from your products, services, and operations.
So, when does the coverage fail to apply?
• Auto accidents
• Professional errors
• Intentional acts
• Craftsmanship mistakes
• Damages due to liquor or substance influence.
• Damages occasioned by contamination
• Directors and Officers liability (this is a policy that covers directors and officers of the company as compensation or advancement in case of legal action).
Therefore, it is smart to seek different insurance coverage to cover these specific areas, otherwise your business will be at risk of a lawsuit in case these instances take place.
Marketing Injury
It is possible to cause what is described as “advertising injury” when there is a copyright infringement, slander or libel. Therefore, 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 extensive digital connection, it is possible for a tweet or Facebook post to land your business in trouble. For example, 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 because the material will paint the aggrieved party in bad light, possibly 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 compensation; it will cover that too.
Item Liability
As mentioned, it is possible for your services and products to cause injury. Products will sometimes cause the injuries far from your business. For instance, if a home appliance malfunctions and at the same time injures the user or causes an electrical short that damages the user’s property, you will be held responsible for such damages.
Another scenario would be if you operate a restaurant and a consumer happens to fall ill after consuming your food. In both circumstances, your business general liability policy will cover the litigation expenses and resultant payment expenses along with immediate hospital expenses.
To Conclude
General liability insurance policies 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 steps in place, you might still find yourself on the defense. Thus, it is very important to stay covered. Don’t take the risk given that mishaps do not make appointments.