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 Twain Harte 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 Twain Harte 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 Twain Harte CA 95383 is always ready to assist you and answer any of your questions.
What Is General Liability Insurance
General liability insurance in Twain Harte is a type of commercial insurance coverage that supplies 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 common risks like personal injury and property damage.
General liability insurance coverages will cover you (and your business) in Twain Harte CA if you are held accountable for damages that take place on your property. Such a policy protects your business from expensive claims in case something fails, like a general repair that ends up with a wall knocked down!
What General Liability Insurance Won’t Cover
There are circumstances where general liability insurance coverage in Twain Harte will not apply. Cases that are normally covered by individual or car insurance may not be covered sometimes. General liability insurance plans are designed to cover for damages and bodily injuries that arise from your products, services, and operations.
So, when does the coverage fail to apply?
• Automobile mishaps
• Expert mistakes
• Deliberate acts
• Craftsmanship mistakes
• 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 seek separate insurance plans 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. Thus, the aggrieved party can sue your employees or business as a whole if they feel warranted.
In this age of social networks and widespread digital connectivity, it is possible for a tweet or Facebook post to land your business in trouble. For example, 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 outcome could be trouble for your company. This will be considered a kind of advertising injury because the material will paint the aggrieved party in bad light, potentially affecting their public esteem and therefore, 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 stated, it is possible for your product and services to cause injury. Products will in some cases cause the injuries far from your place of business. For example, if a device malfunctions and at the same time injures the user or causes an electric short that damages the user’s property, you will be held responsible for such damages.
Another situation would be if you operate an eatery 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 as well as immediate hospital bills.
General liability insurance plans cover a business against a host of personal and property damages that are associated with your business. These damages can not be preempted, and even with protective procedures in place, you may still find yourself on the defense. Hence, it is essential to stay covered. Do not take the risk given that accidents do not make appointments.