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 Santa Barbara 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 Santa Barbara 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 Santa Barbara County CA is always ready to assist you and answer any of your questions.
What Is General Liability Insurance
General liability insurance in Santa Barbara County is a type of industrial insurance policy that supplies liability coverage for general business risks. This kind of insurance is usually the first line type of coverage a business gets, and it covers general common risks like personal injury and property damage.
General liability insurance plans will cover you (and your business) in Santa Barbara County CA if you are held accountable for damages that take place on your property. Such a policy protects your business from expensive suits in case something goes wrong, like a general repair that winds up with a wall knocked down!
What General Liability Insurance Won’t Cover
There are instances where general liability insurance coverage in Santa Barbara County will not apply. Cases that are usually covered by individual or vehicle insurance may not be covered in many cases. General liability insurance plans are developed to cover for damages and physical injuries that result from your products, services, and operations.
So, when does the coverage fail to apply?
• Vehicle accidents
• Expert mistakes
• Intentional 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 advancement in case of legal action).
Therefore, it is a good idea to look for separate insurance plans to cover these specific areas, otherwise your business will be at risk of a claim in case these circumstances occur.
It is possible to cause what is described 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 extensive digital connection, it is possible for a tweet or Facebook post to land your business in trouble. For example, if someone 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 kind of marketing injury given that the material will paint the aggrieved party in bad light, potentially impacting their public esteem and hence, 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 product and services to cause injury. Products will sometimes cause the injuries far from your workplace. 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 situation would be if you run a restaurant and a consumer happens to fall ill after consuming your food. In both instances, your business general liability policy will cover the lawsuits costs and resultant compensation costs in addition to immediate hospital costs.
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 might still find yourself on the defense. Thus, it is important to stay covered. Do not take the risk considering that mishaps do not make appointments.
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