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 Agency Near Me In San Luis Obispo 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 Luis Obispo 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 Luis Obispo County CA is always ready to assist you and answer any of your questions.
What Is General Liability Insurance
General liability insurance in San Luis Obispo County is a kind of business insurance policy that supplies liability coverage for general business risks. This type of insurance is typically the first line type of protection a business gets, and it covers general typical risks like personal injury and property damage.
General liability insurance policies will cover you (and your business) in San Luis Obispo County CA if you are held responsible for damages that occur 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 Won’t Cover
There are circumstances where general liability insurance coverage in San Luis Obispo County will not apply. Cases that are typically covered by personal or automobile insurance might not be covered in many cases. General liability insurance policies 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 mishaps
• Expert mistakes
• Intentional acts
• Workmanship 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 company as repayment or improvement in case of legal action).
Therefore, it is wise to look for different insurance plans to cover these specific areas, otherwise your business will be at risk of a suit in case these circumstances occur.
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 staff members or the business as a whole if they feel warranted.
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 instance, if somebody 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 kind of marketing injury considering 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 sometimes cause the injuries far from your business. For example, if an appliance malfunctions and in the process hurts the user or causes an electrical short that harms the user’s property, you will be held liable for such damages.
Another situation would be if you run an eatery and a client happens to fall ill after consuming your food. In both circumstances, your business general liability policy will cover the litigation expenses and resultant payment costs along with immediate hospital expenses.
General liability insurance plans cover a business against a host of personal and property damages that are connected with your business. These damages can not be preempted, and even with protective procedures in place, you may still find yourself on the defense. Hence, it is essential to stay covered. Do not take the risk given that accidents don’t make appointments.
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