California Contractors Insurance And What Liability Policies Normally Include

By Amanda Roy

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.

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.

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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