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General Liability Insurance in Sacramento 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 Sacramento 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 Sacramento 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 Sacramento CA 94203 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 Sacramento is a kind of commercial insurance policy that supplies liability coverage for general business risks. This kind of insurance is usually 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 Sacramento CA if you are held liable for damages that happen on your property. Such a policy protects your business from expensive suits 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 Sacramento will not apply. Cases that are usually covered by individual or vehicle insurance might not be covered sometimes. General liability insurance plans are created to cover for damages and physical injuries that result from your items, services, and operations.

So, when does the coverage fail to apply?

• Automobile accidents
• Expert errors
• Deliberate acts
• Workmanship errors
• 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 repayment or improvement in case of legal action).

Therefore, it is wise to look for different insurance policies to cover these specific areas, otherwise your business will be at risk of a claim in case these instances happen.

Marketing Injury

It is possible to cause what is called as “advertising injury” when there is a copyright infringement, slander or libel. Therefore, the aggrieved party can sue your employees or business as a whole if they feel warranted.

In this age of social media and extensive 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 result could be trouble for your company. This will be considered a kind of advertising injury since the material 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 awarded payment; it will cover that too.

Product Liability

Sacramento General Liability InsuranceAs specified, it is possible for your services and products to cause injury. Products will in some cases cause the injuries far from your place of business. For example, if a home appliance malfunctions and in the process hurts the user or causes an electrical short that harms the user’s property, you will be held responsible for such damages.

Another scenario would be if you operate an eatery and a client happens to fall ill after consuming your food. In both instances, your business general liability policy will cover the lawsuits costs and resultant settlement expenses along with immediate hospital expenses.

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. Thus, it is necessary to stay covered. Do not take the risk because mishaps don’t make appointments.

Learn More About Sacramento CA 94203

Sacramento is a city in Sacramento County, California with a population that is currently unknown. Sacramento, which uses the 916/530 area code, is located at 38.5819, -121.494 at an elevation of 30 feet. There are over 0 households and on average there are 0 people in each household with a median age of 0. The average income in the area is currently unknown.