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General Liability Insurance in Riverbank 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 Riverbank 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 Riverbank 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 Riverbank CA 95367 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 Riverbank is a kind of business insurance policy that offers liability coverage for general business risks. This type 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 policies will cover you (and your business) in Riverbank CA if you are held responsible for damages that occur on your property. Such a policy protects your business from costly claims in case something goes wrong, 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 Riverbank will not apply. Cases that are normally covered by individual or auto insurance may not be covered in some cases. General liability insurance plans 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 mishaps
• Expert mistakes
• Deliberate 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 company as reimbursement or advancement in the event of legal action).

Therefore, it is a good idea to look for different insurance policies to cover these particular areas, otherwise your business will be at risk of a suit in case these circumstances occur.

Advertising 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 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 someone 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 kind of advertising injury given that the material will paint the aggrieved party in bad light, possibly affecting their public esteem and therefore, their business.

Your general liability insurance coverage will come in handy to pay for legal costs and should the aggrieved party be granted a settlement; it will cover that too.

Product Liability

Riverbank 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 business. For instance, if an appliance malfunctions and at the same time injures the user or causes an electric short that harms the user’s property, you will be held accountable for such damages.

Another circumstance would be if you operate a restaurant and a client happens to fall ill after consuming your food. In both circumstances, your business general liability policy will cover the lawsuits 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 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. Therefore, it is essential to stay covered. Do not take the risk because accidents do not make appointments.

Learn More About Riverbank CA 95367

Riverbank is a city in Stanislaus County, California with a total population of approximately 23,173. Riverbank, which uses the 209 area code, is located at 37.73271, -120.947 at an elevation of 86 feet. There are over 6,771 households and on average there are 3.4 people in each household with a median age of 31.2. The average income in the area is $60,259 and the average home value is $198,500.