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 Experts Near Me In Sacramento County 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 County 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 County CA is always ready to assist you and answer any of your questions.
What Is General Liability Insurance
General liability insurance in Sacramento County is a kind of industrial insurance plan that offers liability coverage for general business risks. This kind of insurance is typically the first line type of coverage 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 Sacramento County CA if you are held liable for damages that happen on your property. Such a policy protects your business from pricey suits in case something goes wrong, like a general repair that winds up with a wall tore down!
What General Liability Insurance Won’t Cover
There are instances where general liability insurance coverage in Sacramento County will not apply. Cases that are generally covered by personal or vehicle insurance might not be covered in some cases. General liability insurance coverages are developed to cover for damages and physical injuries that arise from your items, services, and operations.
So, when does the coverage fail to apply?
• Vehicle mishaps
• Expert mistakes
• Intentional acts
• Workmanship mistakes
• Damages due to alcohol 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 case of legal action).
Therefore, it is smart to seek separate insurance coverage to cover these particular areas, otherwise your business will be at risk of a lawsuit in case these circumstances happen.
It is possible to cause what is described as “marketing injury” when there is a copyright infringement, slander or libel. Therefore, 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 connectivity, it is possible for a tweet or Facebook post to land your business in trouble. For instance, if somebody affiliated 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 since the material will paint the aggrieved party in bad light, potentially impacting 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 awarded a settlement; it will cover that too.
As specified, 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 a home appliance malfunctions and in the process hurts the user or causes an electrical short that damages 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 instances, your business general liability policy will cover the lawsuits costs and resultant settlement costs in addition to immediate hospital costs.
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. Hence, it is essential to stay covered. Don’t take the risk given that mishaps don’t make appointments.
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