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General Liability Insurance in Wilmington 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 Experts Near Me In Wilmington 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 Wilmington 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 Wilmington CA 90744 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 Wilmington is a kind of commercial insurance plan that supplies liability coverage for general business risks. This type of insurance is normally the first line type of coverage a business gets, and it covers general common risks like personal injury and property damage.

General liability insurance policies will cover you (and your business) in Wilmington CA if you are held accountable for damages that take place on your property. Such a policy protects your business from costly suits in case something goes wrong, like a general repair that ends up with a wall knocked down!

What General Liability Insurance Won’t Cover

There are instances where general liability insurance coverage in Wilmington will not apply. Cases that are typically 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 arise from your items, services, and operations.

So, when does the coverage fail to apply?

• Auto mishaps
• Expert errors
• Intentional acts
• Craftsmanship mistakes
• Damages due to liquor or substance influence.
• Damages occasioned by pollution
• Directors and Officers liability (this is a policy that covers directors and officers of the company as reimbursement or development in the event 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 happen.

Marketing Injury

It is possible to cause what is described as “advertising injury” when there is a copyright violation, slander or libel. Hence, the aggrieved party can sue your workers 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 connected 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 marketing injury considering that the material 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 expenses and should the aggrieved party be awarded payment; it will cover that too.

Item Liability

Wilmington General Liability InsuranceAs specified, it is possible for your services and products to cause injury. Products will sometimes cause the injuries far from your business. For example, 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 situation would be if you run a restaurant and a client happens to fall ill after consuming your food. In both circumstances, your business general liability policy will cover the litigation expenses and resultant compensation expenses along with immediate hospital bills.

To Conclude

General liability insurance plans 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. Thus, it is necessary to stay covered. Don’t take the risk given that mishaps do not make appointments.

Learn More About Wilmington CA 90744

Wilmington is a city in Los Angeles County, California with a total population of approximately 53,815. Wilmington, which uses the 562/310/323/424 area code, is located at 33.77892, -118.259 at an elevation of 267 feet. There are over 13,999 households and on average there are 3.83 people in each household with a median age of 28.7. The average income in the area is $41,569 and the average home value is $322,500.