General Liability California Contractors Insurance And What Policies Often Include

By Jeffery Stapleton

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 related to such injuries and illnesses are normally included in the policy. For example, medications, rehabilitation, and various other things may be paid for. There are usually caps on these expenses but they vary between policies.

One more type of claim that may be covered pertains to damaged property. This regards damages done while the job is being done. It may include the building, land, or other areas, depending on the project. The claim might include the damage as well as the loss of use of it.

Product damage may also be covered by this insurance. If products are damaged or lost during the time of the work, it is generally covered. There may be limitations on the amount and the time period involved.

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 in this area, you need to be certified and licensed. You also have to be insured. There are minimum requirements in terms of the protection you have. General liability is one type you need and this kind of policy covers a number of things. Such claims may include bodily illness and injury, medical expenses, personal injury, product, damage, and property damage. There may be other claims accepted also depending on the individual policy you obtain. Before signing the paperwork, you are recommended to know exactly what kind of protection you have and how the filing process is completed, plus any other relevant details.

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