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General Liability Insurance in Richmond 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 Specialists Near Me In Richmond 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 Richmond 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 Richmond CA 94801 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 Richmond is a type of industrial insurance plan that offers liability coverage for general business risks. This kind 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 coverages will cover you (and your business) in Richmond CA if you are held responsible for damages that happen on your property. Such a policy protects your business from pricey suits in case something fails, like a general repair that ends up with a wall tore down!

What General Liability Insurance Will Not Cover

There are instances where general liability insurance coverage in Richmond will not apply. Cases that are usually covered by personal or car insurance might not be covered in many cases. General liability insurance policies are created to cover for damages and physical injuries that arise from your products, services, and operations.

So, when does the coverage fail to apply?

• Vehicle accidents
• Professional mistakes
• Intentional acts
• Workmanship mistakes
• Damages due to liquor or substance influence.
• Damages occasioned by pollution
• Directors and Officers liability (this is a policy that covers directors and officers of the organization as repayment or improvement in case of legal action).

Therefore, it is a good idea to look for separate insurance policies to cover these specific areas, otherwise your business will be at risk of a claim in case these circumstances take place.

Marketing Injury

It is possible to cause what is described as “advertising injury” when there is a copyright violation, slander or libel. Thus, the aggrieved party can sue your workers or 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 example, 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 result could be trouble for your company. This will be considered a type of marketing injury considering that the material will paint the aggrieved party in bad light, potentially impacting 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 awarded compensation; it will cover that too.

Product Liability

Richmond General Liability InsuranceAs stated, it is possible for your product and services to cause injury. Products will in some cases cause the injuries far from your business. For instance, if a device malfunctions and at the same time injures the user or causes an electrical short that damages the user’s property, you will be held liable for such damages.

Another circumstance would be if you run an eatery and a customer happens to fall ill after consuming your food. In both circumstances, your business general liability policy will cover the lawsuits expenses and resultant settlement costs in addition to immediate hospital bills.

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 steps in place, you may still find yourself on the defense. Thus, it is necessary to stay covered. Do not take the risk given that mishaps do not make appointments.

Learn More About Richmond CA 94801

Richmond is a city in Contra Costa County, California with a total population of approximately 29,395. Richmond, which uses the 510 area code, is located at 37.95824, -122.38 at an elevation of 23 feet. There are over 9,034 households and on average there are 3.2 people in each household with a median age of 31.2. The average income in the area is $42,767 and the average home value is $197,200.