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General Liability Insurance in Saint Helena 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 Saint Helena 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 Saint Helena 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 Saint Helena CA 94574 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 Saint Helena 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 policies will cover you (and your business) in Saint Helena CA if you are held accountable for damages that take place on your property. Such a policy protects your business from expensive lawsuits in case something goes wrong, like a general repair that ends up with a wall tore down!

What General Liability Insurance Will Not Cover

There are circumstances where general liability insurance coverage in Saint Helena will not apply. Cases that are generally covered by individual or auto insurance may not be covered sometimes. General liability insurance policies are designed to cover for damages and bodily injuries that result from your products, services, and operations.

So, when does the coverage fail to apply?

• Auto accidents
• Professional mistakes
• 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 development in the event of legal action).

Therefore, it is a good idea to seek different insurance policies to cover these specific areas, otherwise your business will be at risk of a lawsuit in case these instances take place.

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 justified.

In this age of social media and prevalent 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 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 expenses and should the aggrieved party be awarded a settlement; it will cover that too.

Item Liability

Saint Helena General Liability InsuranceAs mentioned, it is possible for your product and services to cause injury. Products will sometimes cause the injuries far from your place of business. For instance, if an appliance malfunctions and in the process hurts the user or causes an electric short that harms the user’s property, you will be held liable for such damages.

Another situation 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 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 steps in place, you might still find yourself on the defense. Thus, it is very important to stay covered. Do not take the risk because accidents do not make appointments.

Learn More About Saint Helena CA 94574

Saint Helena is a city in Napa County, California with a total population of approximately 8,742. Saint Helena, which uses the 707 area code, is located at 38.55207, -122.41 at an elevation of 17 feet. There are over 3,635 households and on average there are 2.36 people in each household with a median age of 45.3. The average income in the area is $86,307 and the average home value is $945,600.