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 Company Near Me In San Diego 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 San Diego 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 San Diego County CA 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 San Diego County is a type of business insurance policy that provides liability coverage for general business risks. This kind of insurance is typically the first line type of protection 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 San Diego County CA if you are held responsible 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 circumstances where general liability insurance coverage in San Diego County will not apply. Cases that are normally covered by individual or car insurance may not be covered in many cases. General liability insurance coverages are created to cover for damages and bodily injuries that result from your products, services, and operations.
So, when does the coverage fail to apply?
• Vehicle accidents
• Expert errors
• Deliberate acts
• Workmanship mistakes
• Damages due to alcohol 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 the event of legal action).
Therefore, it is a good idea to seek separate insurance plans to cover these specific areas, otherwise your business will be at risk of a claim in case these circumstances happen.
Marketing Injury
It is possible to cause what is termed as “advertising injury” when there is a copyright violation, slander or libel. Hence, the aggrieved party can sue your workers or the business as a whole if they feel warranted.
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 connected 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 marketing injury since the content will paint the aggrieved party in bad light, potentially affecting their public esteem and thus, their business.
Your general liability insurance coverage will come in handy to pay for legal expenses and should the aggrieved party be granted a settlement; it will cover that too.
Product Liability
As specified, it is possible for your product and services to cause injury. Products will sometimes cause the injuries far from your business. For instance, if a home appliance malfunctions and at the same time injures the user or causes an electric short that harms the user’s property, you will be held responsible for such damages.
Another circumstance would be if you operate an eatery and a customer happens to fall ill after consuming your food. In both instances, your business general liability policy will cover the litigation costs and resultant compensation costs as well as immediate hospital expenses.
To Conclude
General liability insurance plans cover a business against a host of personal and property damages that are related to your business. These damages can not be preempted, and even with protective steps in place, you might still find yourself on the defense. Hence, it is very important to stay covered. Don’t take the risk considering that mishaps don’t make appointments.
Cities We Serve In San Diego County
- General Liability Insurance Alpine CA
- General Liability Insurance Bonita CA
- General Liability Insurance Bonsall CA
- General Liability Insurance Borrego Springs CA
- General Liability Insurance Boulevard CA
- General Liability Insurance Camp Pendleton CA
- General Liability Insurance Campo CA
- General Liability Insurance Cardiff By The Sea CA
- General Liability Insurance Carlsbad CA
- General Liability Insurance Chula Vista CA
- General Liability Insurance Coronado CA
- General Liability Insurance Del Mar CA
- General Liability Insurance Descanso CA
- General Liability Insurance Dulzura CA
- General Liability Insurance El Cajon CA
- General Liability Insurance Encinitas CA
- General Liability Insurance Escondido CA
- General Liability Insurance Fallbrook CA
- General Liability Insurance Guatay CA
- General Liability Insurance Imperial Beach CA
- General Liability Insurance Jacumba CA
- General Liability Insurance Jamul CA
- General Liability Insurance Julian CA
- General Liability Insurance La Jolla CA
- General Liability Insurance La Mesa CA
- General Liability Insurance Lakeside CA
- General Liability Insurance Lemon Grove CA
- General Liability Insurance Mount Laguna CA
- General Liability Insurance National City CA
- General Liability Insurance Oceanside CA
- General Liability Insurance Pala CA
- General Liability Insurance Palomar Mountain CA
- General Liability Insurance Pauma Valley CA
- General Liability Insurance Pine Valley CA
- General Liability Insurance Potrero CA
- General Liability Insurance Poway CA
- General Liability Insurance Ramona CA
- General Liability Insurance Ranchita CA
- General Liability Insurance Rancho Santa Fe CA
- General Liability Insurance San Diego CA
- General Liability Insurance San Luis Rey CA
- General Liability Insurance San Marcos CA
- General Liability Insurance San Ysidro CA
- General Liability Insurance Santa Ysabel CA
- General Liability Insurance Santee CA
- General Liability Insurance Solana Beach CA
- General Liability Insurance Spring Valley CA
- General Liability Insurance Tecate CA
- General Liability Insurance Valley Center CA
- General Liability Insurance Vista CA
- General Liability Insurance Warner Springs CA
Learn More About San Diego County CA
https://en.wikipedia.org/wiki/San_Diego_County,_California