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 Specialists Near Me In Salinas 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 Salinas 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 Salinas CA 93901 is always ready to assist you and answer any of your questions.
What Is General Liability Insurance
General liability insurance in Salinas is a type of commercial insurance policy that supplies liability coverage for general business risks. This type of insurance is generally the first line type of coverage a business gets, and it covers general typical risks like personal injury and property damage.
General liability insurance coverages will cover you (and your business) in Salinas 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 fails, like a general repair that ends up with a wall knocked down!
What General Liability Insurance Won’t Cover
There are circumstances where general liability insurance coverage in Salinas will not apply. Cases that are normally covered by individual or vehicle insurance may not be covered in many cases. General liability insurance coverages are created to cover for damages and physical injuries that arise from your items, services, and operations.
So, when does the coverage fail to apply?
• Vehicle accidents
• Professional errors
• Deliberate acts
• Workmanship 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 reimbursement or advancement in the event of legal action).
Therefore, it is a good idea to seek separate insurance policies to cover these specific areas, otherwise your business will be at risk of a suit in case these instances take place.
It is possible to cause what is called as “advertising injury” when there is a copyright infringement, 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 media and extensive digital connection, it is possible for a tweet or Facebook post to land your business in trouble. For example, 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 type of marketing injury given that the content will paint the aggrieved party in bad light, possibly affecting their public esteem and thus, their business.
Your general liability insurance coverage will come in handy to pay for legal costs and should the aggrieved party be awarded compensation; 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 place of business. For instance, if a device malfunctions and while doing so 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 run an eatery and a consumer happens to fall ill after consuming your food. In both circumstances, your business general liability policy will cover the lawsuits expenses and resultant payment costs as well as immediate hospital expenses.
General liability insurance coverage 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 procedures in place, you might still find yourself on the defense. Hence, it is important to stay covered. Don’t take the risk considering that accidents don’t make appointments.