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 The Sea Ranch 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 The Sea Ranch 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 The Sea Ranch CA 95497 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 The Sea Ranch is a type of commercial insurance plan that offers liability coverage for general business risks. This kind of insurance is generally the first line type of protection 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 The Sea Ranch CA if you are held accountable for damages that occur on your property. Such a policy protects your business from pricey claims 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 The Sea Ranch will not apply. Cases that are generally covered by individual or car insurance might not be covered sometimes. General liability insurance policies are designed to cover for damages and physical injuries that result from your items, services, and operations.
So, when does the coverage fail to apply?
• Auto accidents
• Professional errors
• Deliberate acts
• Craftsmanship 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 organization as reimbursement or improvement in case of legal action).
Therefore, it is smart to look for different insurance coverage to cover these specific areas, otherwise your business will be at risk of a lawsuit in case these circumstances take place.
Advertising Injury
It is possible to cause what is described as “marketing injury” when there is a copyright infringement, slander or libel. Thus, the aggrieved party can sue your workers or business as a whole if they feel warranted.
In this age of social networks and widespread digital connection, it is possible for a tweet or Facebook post to land your business in trouble. For instance, 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 advertising injury considering that the material will paint the aggrieved party in bad light, potentially affecting 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 granted payment; it will cover that too.
Product Liability
As specified, it is possible for your product and services to cause injury. Products will in some cases cause the injuries far from your business. For instance, if an appliance malfunctions and at the same time hurts the user or causes an electrical short that damages the user’s property, you will be held accountable for such damages.
Another scenario would be if you run a restaurant and a customer happens to fall ill after consuming your food. In both circumstances, your business general liability policy will cover the litigation expenses and resultant compensation costs in addition to immediate hospital bills.
To Conclude
General liability insurance policies 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 measures in place, you may still find yourself on the defense. Hence, it is necessary to stay covered. Do not take the risk given that mishaps do not make appointments.