What General Liability California Contractors Insurance Policies Often Cover

By Louis Santamaria

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.

There are a few things that contractors require in order to legally have a business practice. Licenses and certifications are some of them. Insurance is another. Depending on the area of the business, there are varying regulations pertaining to the minimum protection. One type of policy normally required is general liability. These contracts take include a number of things.

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.

Medical expenses is another aspect. Whether a person has become sick, developed a disease, or was injured, there may be costs for medications and other such things. Such expenses are generally covered also, at least to a certain extent.

Property damage is another aspect included. At times, there may be damages caused to the property while the work is being completed. This might regard the building, land, or otherwise. Coverage tends to include not only the expenses related to the repairs but also the loss of use of these areas if relevant.

Product damage is another aspect included. Insurance may cover the loss or spoilage of products if it happened during the project or as a direct result of the work. There might be limitations to what can be claimed and the time period.

Advertising and personal injury is something else that certain policies include. Such claims may pertain to slander, copyright infringements, wrongful evictions, false arrests, and similar things. They can cover various issues that have impacted a person's civil rights also.

These policies vary widely. Prior to signing any particular contract, you are recommended to find out exactly what each one of interest covers. You need to know what you are protected from and any limitations on each type of claim. The cost of the premium is another important detail as is how any claims are to be filed. Knowing the process of filing any paperwork as well as how the process works is essential.

Being insured is critical if you are a practicing contractor in California. There are various types of policies available for this purpose. One type of classification is the general liability coverage. These contracts tend to cover bodily injury and illness, medical expenses, and property damage, among other things. Before signing a particular contract, you need to be sure you have adequate coverage in all of these areas plus any others that are relevant to your business. It is also a good idea to check out the premiums for each option.

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