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 Portola Valley 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 Portola Valley 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 Portola Valley CA 94028 is always ready to assist you and answer any of your questions.
What Is General Liability Insurance
General liability insurance in Portola Valley is a kind of industrial insurance coverage that supplies liability coverage for general business risks. This kind of insurance is typically the first line type of coverage a business gets, and it covers general common risks like personal injury and property damage.
General liability insurance plans will cover you (and your business) in Portola Valley CA if you are held accountable 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 ends up with a wall knocked down!
What General Liability Insurance Will Not Cover
There are circumstances where general liability insurance coverage in Portola Valley will not apply. Cases that are generally covered by individual or auto insurance might not be covered in some cases. General liability insurance policies are created to cover for damages and bodily injuries that result from your products, services, and operations.
So, when does the coverage fail to apply?
• Vehicle accidents
• Expert mistakes
• Intentional acts
• Workmanship errors
• 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 reimbursement or improvement in the event of legal action).
Therefore, it is a good idea to seek different insurance policies to cover these specific areas, otherwise your business will be at risk of a lawsuit in case these instances occur.
It is possible to cause what is termed as “marketing injury” when there is a copyright violation, slander or libel. Thus, the aggrieved party can sue your workers or the business as a whole if they feel justified.
In this age of social networks and prevalent digital connection, it is possible for a tweet or Facebook post to land your business in trouble. For instance, 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 kind of advertising injury given that the material will paint the aggrieved party in bad light, potentially affecting their public esteem and therefore, their business.
Your general liability insurance coverage will come in handy to pay for legal expenses and should the aggrieved party be awarded payment; it will cover that too.
As mentioned, it is possible for your product and services to cause injury. Products will in some cases cause the injuries far from your place of business. For example, if a device malfunctions and in the process 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 an eatery and a client happens to fall ill after consuming your food. In both circumstances, your business general liability policy will cover the litigation expenses and resultant settlement expenses along with immediate hospital costs.
General liability insurance coverage 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 procedures in place, you may still find yourself on the defense. Thus, it is important to stay covered. Don’t take the risk given that mishaps do not make appointments.