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 Salida 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 Salida 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 Salida CA 95368 is always ready to assist you and answer any of your questions.
What Is General Liability Insurance
General liability insurance in Salida is a kind of business insurance plan that offers liability coverage for general business risks. This type of insurance is normally the first line type of coverage a business gets, and it covers general common risks like personal injury and property damage.
General liability insurance coverages will cover you (and your business) in Salida CA if you are held liable for damages that occur on your property. Such a policy protects your business from costly suits in case something goes wrong, like a general repair that ends up with a wall knocked down!
What General Liability Insurance Won’t Cover
There are instances where general liability insurance coverage in Salida will not apply. Cases that are normally covered by individual or car insurance might not be covered in some cases. General liability insurance plans are developed to cover for damages and physical injuries that arise from your products, services, and operations.
So, when does the coverage fail to apply?
• Car mishaps
• Professional mistakes
• Intentional acts
• Craftsmanship 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 organization as reimbursement or advancement in the event of legal action).
Therefore, it is wise 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 happen.
It is possible to cause what is described as “marketing injury” when there is a copyright violation, slander or libel. Hence, the aggrieved party can sue your employees 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 example, if someone connected 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 advertising injury considering that the content will paint the aggrieved party in bad light, potentially 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 granted payment; it will cover that too.
As 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 example, if a home appliance malfunctions and while doing so hurts the user or causes an electric short that harms the user’s property, you will be held responsible for such damages.
Another scenario would be if you run an eatery and a customer happens to fall ill after consuming your food. In both circumstances, your business general liability policy will cover the litigation costs and resultant settlement costs in addition to immediate hospital expenses.
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 measures in place, you might still find yourself on the defense. Therefore, it is very important to stay covered. Do not take the risk given that mishaps don’t make appointments.