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General Liability Insurance in Port Costa 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 Experts Near Me In Port Costa 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 Port Costa 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 Port Costa CA 94569 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 Port Costa is a type of industrial insurance policy that provides liability coverage for general business risks. This type of insurance is typically the first line type of protection a business gets, and it covers general typical risks like personal injury and property damage.

General liability insurance policies will cover you (and your business) in Port Costa CA if you are held responsible for damages that take place on your property. Such a policy protects your business from costly suits in case something fails, like a general repair that winds up with a wall knocked down!

What General Liability Insurance Won’t Cover

There are circumstances where general liability insurance coverage in Port Costa will not apply. Cases that are normally covered by personal or car insurance might not be covered sometimes. General liability insurance policies 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 mishaps
• Professional errors
• Deliberate acts
• Craftsmanship mistakes
• 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 compensation or development in case of legal action).

Therefore, it is a good idea to look for different insurance coverage 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. Hence, the aggrieved party can sue your staff members or business as a whole if they feel justified.

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 advertising 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 expenses and should the aggrieved party be granted payment; it will cover that too.

Item Liability

Port Costa General Liability InsuranceAs mentioned, it is possible for your services and products to cause injury. Products will in some cases cause the injuries far from your place of business. For instance, if a device malfunctions and while doing so injures the user or causes an electric short that damages the user’s property, you will be held liable for such damages.

Another situation would be if you run a restaurant and a client happens to fall ill after consuming your food. In both instances, your business general liability policy will cover the lawsuits costs and resultant payment costs along with immediate hospital bills.

To Conclude

General liability insurance plans 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 might still find yourself on the defense. Therefore, it is very important to stay covered. Don’t take the risk because accidents don’t make appointments.

Learn More About Port Costa CA 94569

Port Costa is a city in Contra Costa County, California with a total population of approximately 198. Port Costa, which uses the 510 area code, is located at 38.04604, -122.187 at an elevation of 23 feet. There are over 104 households and on average there are 1.9 people in each household with a median age of 53.3. The average income in the area is $110,347 and the average home value is $421,400.