What General Liability California Contractors Insurance Policies Often Cover

By Rachael Cote

Licensed contractors who hope to practice as a business need to have insurance coverage. There are various kinds of policies available. Some of the options of California Contractors Insurance include just general liability coverage. There are certain things that are covered in these contracts. Such things include bodily injury, personal injury, medical expenses, and various other things that may occur on the job. There are variations between the policies offered. It is important to know what exactly is included before signing the papers. It can also be a good idea to find out if adjustments can be made after if needs change.

If you want to be a practicing contractor in this area, you need to have insurance. There are regulations in place that determine minimum levels of coverage. One type of insurance you need to have is general liability. Such policies cover a variety of basic types of claims.

One area normally included in such a policy is bodily injury. This doesn't just cover something caused by an accident but it also takes into consideration illness and disease contracted at the time the work is being done. Death is usually included also.

Relating to these aspects are the coverages of medical expenses. If a person does get sick or injured, there may be certain costs to recovering or rehabilitating. Medications and other types of expenses are generally covered. The exact amount varies with the contracts offered.

Many general liability contracts protect against property damage also. This is damage that is done while the work is ongoing. This could pertain to the land, buildings, or otherwise. Depending on the policy, the claim may include the loss of use of any parts of the property.

Product damage is another relevant claim. If there is an accident or some other occurrence and products are spoiled, a claim may be made for this. Depending on the policy, there might be limitations on how much a third party can expect to receive.

General liability claims may include personal or advertising injury. This pertains to injuries caused by wrongful eviction, false arrest, copyright infringement, and other such things. It may include anything that infringes on a person's civil rights.

Policies vary greatly. Some include more types of claims than others. They may also offer additional protection. It is important to find out what you need in order to make sure your own business is protected. You also need to find out the price of the premium, how to file a claim, and other relevant processes.

If you are a contractor, you need to be insured to offer services to clients. There are different options available in terms of policies. Often, the minimum coverage includes general liability. Such contracts usually involve the coverage of bodily illness and injury, medical expenses, property and product damage, among other things. It is important that you find out what the insurer offers and what exactly you need for your particular practice. You are also encouraged to ask about the premiums to be paid, the amounts you are insured for, and other relevant details.

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