What General Liability California Contractors Insurance Policies Often Cover

By Melba Noggle

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.

Being insured is a very important part of a contractor's business. This is a legal necessity in most areas to practice. There are different regulations in terms of how much and what type of coverage you need. Often, the minimum requirement is some form of general liability. These policies take into account several 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.

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.

There are variations between insurance policies. Before signing a particular contract, there are some aspects to double check. You need to know for sure what types of claims are covered. There may be additional kinds of coverages aside from those mentioned here that are important to you. The cost of the premiums, the claims process, and the amounts of coverage are also vital.

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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