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 Specialists Near Me In Yolo County 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 Yolo County 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 Yolo County CA is always ready to assist you and answer any of your questions.
What Is General Liability Insurance
General liability insurance in Yolo County is a kind of commercial insurance coverage that offers liability coverage for general business risks. This type of insurance is normally the first line type of protection 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 Yolo County CA if you are held responsible for damages that take place on your property. Such a policy protects your business from expensive lawsuits in case something fails, like a general repair that winds up with a wall tore down!
What General Liability Insurance Won’t Cover
There are instances where general liability insurance coverage in Yolo County will not apply. Cases that are normally covered by individual or auto insurance might not be covered sometimes. General liability insurance policies 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?
• Car mishaps
• Expert errors
• Intentional acts
• Workmanship mistakes
• 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 advancement in case of legal action).
Therefore, it is smart to look for separate insurance policies to cover these specific areas, otherwise your business will be at risk of a suit in case these circumstances happen.
It is possible to cause what is called as “marketing injury” when there is a copyright violation, slander or libel. Hence, the aggrieved party can sue your employees or the business as a whole if they feel justified.
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 connected 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 type of marketing injury given 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 costs and should the aggrieved party be granted payment; it will cover that too.
As specified, it is possible for your product and services to cause injury. Products will in some cases cause the injuries far from your workplace. For example, if an appliance malfunctions and in the process injures 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 lawsuits expenses and resultant payment costs along with immediate hospital bills.
General liability insurance policies 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 steps in place, you may still find yourself on the defense. Hence, it is essential to stay covered. Don’t take the risk since accidents don’t make appointments.
- General Liability Insurance Brooks CA
- General Liability Insurance Capay CA
- General Liability Insurance Clarksburg CA
- General Liability Insurance Davis CA
- General Liability Insurance Dunnigan CA
- General Liability Insurance Esparto CA
- General Liability Insurance Guinda CA
- General Liability Insurance Knights Landing CA
- General Liability Insurance Madison CA
- General Liability Insurance Rumsey CA
- General Liability Insurance West Sacramento CA
- General Liability Insurance Winters CA
- General Liability Insurance Woodland CA
- General Liability Insurance Yolo CA
- General Liability Insurance Zamora CA