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General Liability Insurance in Torrance 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 Specialists Near Me In Torrance 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 Torrance 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 Torrance CA 90501 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 Torrance is a type of commercial 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 typical risks like personal injury and property damage.

General liability insurance plans will cover you (and your business) in Torrance CA if you are held liable 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 winds up with a wall knocked down!

What General Liability Insurance Will Not Cover

There are circumstances where general liability insurance coverage in Torrance will not apply. Cases that are usually covered by individual or car insurance may not be covered in some 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?

• Automobile accidents
• Professional mistakes
• Intentional acts
• Workmanship errors
• Damages due to liquor or substance influence.
• Damages occasioned by contamination
• Directors and Officers liability (this is a policy that covers directors and officers of the company as repayment or development in case of legal action).

Therefore, it is a good idea to seek separate insurance policies to cover these specific areas, otherwise your business will be at risk of a claim in case these instances happen.

Advertising Injury

It is possible to cause what is described as “advertising injury” when there is a copyright violation, slander or libel. Therefore, the aggrieved party can sue your employees or the business as a whole if they feel warranted.

In this age of social media 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 outcome 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 affecting their public esteem and therefore, 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.

Item Liability

Torrance General Liability InsuranceAs stated, it is possible for your services and products to cause injury. Products will sometimes cause the injuries far from your workplace. For example, if an appliance malfunctions and in the process injures the user or causes an electric short that damages the user’s property, you will be held responsible for such damages.

Another circumstance would be if you operate an eatery 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 expenses as well as 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 procedures in place, you might still find yourself on the defense. Therefore, it is necessary to stay covered. Don’t take the risk since accidents don’t make appointments.

Learn More About Torrance CA 90501

Torrance is a city in Los Angeles County, California with a total population of approximately 43,180. Torrance, which uses the 310/424 area code, is located at 33.83024, -118.314 at an elevation of 267 feet. There are over 14,610 households and on average there are 2.94 people in each household with a median age of 35. The average income in the area is $61,536 and the average home value is $528,700.