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 Riverdale 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 Riverdale 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 Riverdale CA 93656 is always ready to assist you and answer any of your questions.
What Is General Liability Insurance
General liability insurance in Riverdale is a kind of commercial insurance policy that provides 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 common risks like personal injury and property damage.
General liability insurance plans will cover you (and your business) in Riverdale CA if you are held accountable for damages that happen 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 Won’t Cover
There are circumstances where general liability insurance coverage in Riverdale will not apply. Cases that are generally covered by individual or automobile insurance may not be covered in some cases. General liability insurance plans are designed to cover for damages and physical injuries that arise from your products, services, and operations.
So, when does the coverage fail to apply?
• Auto mishaps
• Professional mistakes
• Intentional acts
• Craftsmanship 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 compensation or improvement in the event of legal action).
Therefore, it is smart to look for separate insurance policies to cover these particular areas, otherwise your business will be at risk of a claim in case these circumstances occur.
It is possible to cause what is called as “marketing injury” when there is a copyright infringement, slander or libel. Hence, the aggrieved party can sue your workers or business as a whole if they feel warranted.
In this age of social networks and extensive digital connectivity, it is possible for a tweet or Facebook post to land your business in trouble. For instance, if somebody connected 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 given that the content will paint the aggrieved party in bad light, possibly affecting 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 granted a settlement; it will cover that too.
As stated, it is possible for your product and services to cause injury. Products will sometimes cause the injuries far from your workplace. For instance, if an appliance malfunctions and at the same time hurts the user or causes an electrical short that damages the user’s property, you will be held responsible for such damages.
Another scenario 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 expenses and resultant settlement expenses along with immediate hospital expenses.
General liability insurance plans cover a business against a host of personal and property damages that are related to your business. These damages can not be preempted, and even with protective procedures in place, you may still find yourself on the defense. Therefore, it is essential to stay covered. Don’t take the risk given that accidents do not make appointments.