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General Liability Insurance in Santa Ynez CAThe 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 Santa Ynez 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 Ynez 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 Ynez CA 93460 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 Santa Ynez is a type of business insurance coverage that offers liability coverage for general business risks. This type of insurance is typically the first line type of coverage 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 Santa Ynez CA if you are held accountable for damages that happen on your property. Such a policy protects your business from expensive suits in case something fails, like a general repair that winds up with a wall tore down!

What General Liability Insurance Will Not Cover

There are circumstances where general liability insurance coverage in Santa Ynez will not apply. Cases that are usually covered by personal or automobile insurance may not be covered in many cases. General liability insurance policies are developed to cover for damages and bodily injuries that result from your products, services, and operations.

So, when does the coverage fail to apply?

• Car mishaps
• Professional mistakes
• Intentional acts
• Workmanship errors
• 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 company as compensation or development in case of legal action).

Therefore, it is a good idea to seek different insurance coverage to cover these specific areas, otherwise your business will be at risk of a suit in case these circumstances happen.

Advertising Injury

It is possible to cause what is called as “marketing injury” when there is a copyright infringement, slander or libel. Therefore, the aggrieved party can sue your staff members or the business as a whole if they feel warranted.

In this age of social media and extensive digital connectivity, it is possible for a tweet or Facebook post to land your business in trouble. For instance, 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 advertising injury because the content will paint the aggrieved party in bad light, possibly impacting 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 awarded compensation; it will cover that too.

Item Liability

Santa Ynez General Liability InsuranceAs stated, it is possible for your product and services to cause injury. Products will in some cases cause the injuries far from your business. For example, if a device malfunctions and in the process hurts the user or causes an electrical short that damages the user’s property, you will be held accountable for such damages.

Another situation would be if you run 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 payment expenses in addition to immediate hospital bills.

To Conclude

General liability insurance coverage 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 steps in place, you might still find yourself on the defense. Thus, it is necessary to stay covered. Don’t take the risk since mishaps don’t make appointments.

Learn More About Santa Ynez CA 93460

Santa Ynez is a city in Santa Barbara County, California with a total population of approximately 5,255. Santa Ynez, which uses the 805 area code, is located at 34.70253, -119.983 at an elevation of 100 feet. There are over 2,098 households and on average there are 2.49 people in each household with a median age of 48.3. The average income in the area is $97,188 and the average home value is $825,500.