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 Experts Near Me In Selma 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 Selma 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 Selma CA 93662 is always ready to assist you and answer any of your questions.
What Is General Liability Insurance
General liability insurance in Selma is a kind of industrial insurance policy that supplies liability coverage for general business risks. This kind of insurance is normally 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 Selma CA if you are held accountable for damages that take place on your property. Such a policy protects your business from pricey lawsuits in case something goes wrong, like a general repair that ends up with a wall knocked down!
What General Liability Insurance Will Not Cover
There are instances where general liability insurance coverage in Selma will not apply. Cases that are typically covered by individual or automobile insurance might not be covered sometimes. General liability insurance plans are developed to cover for damages and bodily injuries that arise from your items, services, and operations.
So, when does the coverage fail to apply?
• Vehicle accidents
• Expert mistakes
• Deliberate acts
• Workmanship errors
• 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 organization as reimbursement or development in case of legal action).
Therefore, it is a good idea to seek different insurance policies to cover these particular areas, otherwise your business will be at risk of a claim in case these instances take place.
It is possible to cause what is termed as “advertising injury” when there is a copyright infringement, slander or libel. Therefore, the aggrieved party can sue your workers or 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 instance, if somebody affiliated 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 advertising injury since the material will paint the aggrieved party in bad light, possibly impacting their public esteem and hence, their business.
Your general liability insurance coverage will come in handy to pay for legal expenses and should the aggrieved party be awarded a settlement; it will cover that too.
As specified, it is possible for your product and services to cause injury. Products will sometimes cause the injuries far from your workplace. 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 responsible for such damages.
Another situation would be if you operate 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 costs and resultant settlement costs as well as immediate hospital bills.
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 procedures in place, you may still find yourself on the defense. Therefore, it is very important to stay covered. Don’t take the risk considering that mishaps do not make appointments.