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 Company Near Me In Quail 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 Quail 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 Quail Valley CA 92587 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 Quail Valley is a kind of industrial insurance policy that supplies 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 common risks like personal injury and property damage.
General liability insurance coverages will cover you (and your business) in Quail Valley CA if you are held responsible for damages that take place on your property. Such a policy protects your business from pricey lawsuits in case something fails, 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 Quail Valley will not apply. Cases that are usually covered by personal or car insurance may not be covered sometimes. General liability insurance coverages are designed to cover for damages and bodily injuries that result from your products, services, and operations.
So, when does the coverage fail to apply?
• Auto mishaps
• Expert errors
• Intentional 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 improvement in case of legal action).
Therefore, it is smart to look for separate insurance coverage to cover these particular areas, otherwise your business will be at risk of a suit in case these circumstances happen.
Marketing 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 employees or the business as a whole if they feel justified.
In this age of social networks and widespread digital connection, it is possible for a tweet or Facebook post to land your business in trouble. For instance, if somebody associated 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 given that the material will paint the aggrieved party in bad light, possibly affecting their public esteem and thus, their business.
Your general liability insurance coverage will come in handy to pay for legal expenses and should the aggrieved party be granted a settlement; it will cover that too.
Item Liability
As stated, it is possible for your product and services to cause injury. Products will in some cases cause the injuries far from your workplace. For example, if a home appliance malfunctions and while doing so injures the user or causes an electric short that damages the user’s property, you will be held accountable for such damages.
Another circumstance would be if you operate a restaurant 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 payment expenses as well as immediate hospital costs.
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 measures in place, you may still find yourself on the defense. Hence, it is essential to stay covered. Do not take the risk since mishaps don’t make appointments.