California general insurance liability
General liability insurance is something that almost every individual would need to protect them against any harm and offer financial assistance. However you should be careful as your monthly payments can increase after making a successful claim. Normally general liability insurance would provide coverage to property damage, bodily injury, advertising injury and person injury. Some other great benefits of having this insurance policy is that although a claim is made against you is false you will have to visit the court and make sure you are covered under the policy.
If you are running a business then it is important you have this general liability insurance in California. The commercial policy will help in protecting you against the claims made by your customers associated to your business. This means that in case your business services has caused some sort of problem to your customer then this california general liability insurance can help by covering the damage done. However it is important you learn the right method when buying California general liability insurance for your business.
This general liability insurance is mainly purchased by contractor businesses as they benefit the most out of this policy. In order to apply for this insurance policy you should have your contractor license number. It can be found at the CSLB government website which gives you the number, the licensed year and also the license classification. You can then draw up a list of all the operations you undertake such as electrical, plumbing, painting, home building or remodelling. However you should be specific to the type of work you undertake. When you are specific to your work find out what percentage of the work is commercial, residential and industrial. You must also compare what percentage of work is existing construction verses new construction and it also includes room additions and remodels.
In case you are a large contractor agency and have a current insurance for which you pay much high than $7500 every year as liability premium then you will have to obtain the loss runs from your pervious agent. You must find out whether you are building a job that requires some insurance in writing. A number of government and commercial jobs today require additional insurance backing. This backing language requirement would also appear in your contract document. You should send these sheets to your insurance agent so they can review before purchasing the policy.
When you have all this necessary information and documents ready with you, just contact a specialised California contractors general liability insurance agent to request a free quote. Most of the specialized agents and service providers would have the websites which means you can easily reach them online. Make sure you request insurance quotes from a couple of insurance providers as this will give you a brief idea about the rates for the insurance plan. This can be done by requesting insurance quotes from different service providers in California and comparing them or you can even find some websites that offer quotes from different companies according to your insurance requirements.