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 Rio Linda 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 Rio Linda 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 Rio Linda CA 95673 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 Rio Linda is a kind of business insurance policy that offers liability coverage for general business risks. This kind of insurance is normally the first line type of protection 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 Rio Linda CA if you are held accountable for damages that occur on your property. Such a policy protects your business from costly claims in case something fails, like a general repair that winds up with a wall knocked down!
What General Liability Insurance Will Not Cover
There are circumstances where general liability insurance coverage in Rio Linda will not apply. Cases that are generally covered by personal or auto insurance may not be covered sometimes. General liability insurance coverages are designed to cover for damages and physical injuries that result from your items, services, and operations.
So, when does the coverage fail to apply?
• Vehicle accidents
• Expert errors
• Intentional acts
• Craftsmanship 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 reimbursement or improvement in the event of legal action).
Therefore, it is a good idea to seek different insurance coverage to cover these particular areas, otherwise your business will be at risk of a lawsuit in case these instances occur.
Advertising Injury
It is possible to cause what is termed as “marketing 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 networks and widespread digital connection, it is possible for a tweet or Facebook post to land your business in trouble. For example, if someone connected 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 considering that the content 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 costs and should the aggrieved party be awarded a settlement; it will cover that too.
Item Liability
As stated, it is possible for your services and products to cause injury. Products will in some cases cause the injuries far from your workplace. For instance, if a home appliance malfunctions and in the process injures the user or causes an electrical short that damages the user’s property, you will be held liable 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 costs and resultant compensation costs along with immediate hospital expenses.
To Conclude
General liability insurance plans 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 measures in place, you might still find yourself on the defense. Hence, it is very important to stay covered. Don’t take the risk given that accidents do not make appointments.