Ideal California Insurance Agency
  • Home
  • Quotes
    • Life & Financial Quotes >
      • Life Insurance Quote
      • Annuity Quotes
      • Disability Insurance Quote
      • Final Expense Insurance Quote
    • Business Quotes >
      • Business Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Group Benefits Insurance Quote
      • Insurance Bond Quote
      • Workers Compensation Quote
    • Personal Quotes >
      • Health Quotes >
        • Health Insurance Quote
        • Critical Illness Insurance Quote
        • Dental Insurance Quote
        • Long Term Care Insurance Quote
        • Medicare Supplement Coverage Quote
        • Vision Insurance Quote
      • Property Quotes >
        • Home Insurance Quote
        • Earthquake Insurance Quote
        • Flood Insurance Quote
        • Landlords Insurance Quote
        • Renters Insurance Quote
      • Other Quotes >
        • Event Insurance Quote
        • Umbrella Insurance Quote
        • Travel Insurance Quote
        • Wedding Insurance Quote
  • Service
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Insurance
    • Life/Financial >
      • Life Insurance
      • Annuities
      • Disability Insurance
      • Final Expense Insurance
      • Financial Planning
      • Comparison of Life Ins Types
    • Business >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Group Benefits
      • Insurance Bonds
      • Workers Compensation
    • Personal >
      • Health >
        • Health Insurance
        • Critical Illness Insurance
        • Dental Insurance
        • Long Term Care Insurance
        • Medicare Supplement Coverage
        • Vision Insurance
      • Property >
        • Home Insurance
        • Earthquake Insurance
        • Flood Insurance
        • Landlords Insurance
        • Renters Insurance
      • Other >
        • Event Insurance
        • Travel Insurance
        • Umbrella Insurance
        • Wedding Insurance
  • About
    • Staff Directory
    • Client Testimonials
    • Refer a Friend
    • Insurance Carriers
    • Agency Photo Gallery
    • Newsletter Signup
    • Accessibility Statement
    • Blog
    • News
  • Contact
  • Home
  • Quotes
    • Life & Financial Quotes >
      • Life Insurance Quote
      • Annuity Quotes
      • Disability Insurance Quote
      • Final Expense Insurance Quote
    • Business Quotes >
      • Business Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Group Benefits Insurance Quote
      • Insurance Bond Quote
      • Workers Compensation Quote
    • Personal Quotes >
      • Health Quotes >
        • Health Insurance Quote
        • Critical Illness Insurance Quote
        • Dental Insurance Quote
        • Long Term Care Insurance Quote
        • Medicare Supplement Coverage Quote
        • Vision Insurance Quote
      • Property Quotes >
        • Home Insurance Quote
        • Earthquake Insurance Quote
        • Flood Insurance Quote
        • Landlords Insurance Quote
        • Renters Insurance Quote
      • Other Quotes >
        • Event Insurance Quote
        • Umbrella Insurance Quote
        • Travel Insurance Quote
        • Wedding Insurance Quote
  • Service
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Insurance
    • Life/Financial >
      • Life Insurance
      • Annuities
      • Disability Insurance
      • Final Expense Insurance
      • Financial Planning
      • Comparison of Life Ins Types
    • Business >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Group Benefits
      • Insurance Bonds
      • Workers Compensation
    • Personal >
      • Health >
        • Health Insurance
        • Critical Illness Insurance
        • Dental Insurance
        • Long Term Care Insurance
        • Medicare Supplement Coverage
        • Vision Insurance
      • Property >
        • Home Insurance
        • Earthquake Insurance
        • Flood Insurance
        • Landlords Insurance
        • Renters Insurance
      • Other >
        • Event Insurance
        • Travel Insurance
        • Umbrella Insurance
        • Wedding Insurance
  • About
    • Staff Directory
    • Client Testimonials
    • Refer a Friend
    • Insurance Carriers
    • Agency Photo Gallery
    • Newsletter Signup
    • Accessibility Statement
    • Blog
    • News
  • Contact

Ideal California Insurance Agency Blog

What Your General Liability Insurance Does Not Cover

1/1/2019

0 Comments

 
Picture
​Also called business liability insurance, the general liability insurance is meant to protect you as well as your business from claims that involve bodily injuries from your services, your products or your operation. It also can cover your lawyer’s fees for property damage. In fact, almost every business requires general liability insurance if they want to prioritize adequate protection. However, you should know its limits.
​Damages to Your Own Property
When you know the gaps in your policy, you can take instant action in order to know that you are not taking in unnecessary risks that could cost you too much in the long run. One thing you have to know about general liability insurance though is that it can cover property damages. 
However, there are only specific circumstances such as damages to your property from a third-party lawsuit like one coming from a customer. If one of your employees dropped some of your goods by mistake or made an error in the factory that caused damage to many of your goods, that is beyond the scope of general liability insurance.

Intended Damage
Your general liability insurance does not cover any damage that you deliberately did to your own product or property. Even if one of the insured parties in your policy such as one of your subcontractors did the damage intentionally perhaps out of anger or any uncontrollable emotion, the general liability insurance does not cover it. 

Employee Injuries
Injuries to any of your employees are not covered by your general liability insurance. However, it does cover accidental third-party injuries such as if your customer slips on the floor in your restaurant and falls. However, if one of your chefs got burned in the kitchen, you cannot use your policy to cover his medical expenses or even a possible lawsuit.

Vehicles
Your general liability insurance cannot cover damages to your vehicles while they are used for work or business purposes. If you have a truck that you use to haul tools to a particular construction site, you will need a different type of insurance to cover possible vehicular accidents.

Professional Errors
Your general liability insurance cannot cover costs due to faulty workmanship or potential lawsuits caused by poor advice that you gave to a customer. You will need a different type of coverage in case you commit professional mistakes. 

Some Final Words
Your general liability insurance policy covers all accidental third-party damages. However, all other damages caused by you or your employees as well as your own mistakes are beyond the coverage of this particular insurance policy. If you want to learn more about general liability insurance, visit us on our website today.

At Ideal California Insurance Agency, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (818) 241-4515 or Click Here to request a free quote.
0 Comments



Leave a Reply.

    Contact Us

    (818) 241-4515​
    201 North Brand Blvd
    Suite 200
    Glendale, CA 91203​
    Click Here to Email Us

    Archives

    February 2019
    January 2019
    December 2018
    November 2018
    October 2018
    September 2018
    August 2018
    July 2018
    May 2018

    Categories

    All
    Auto Insurance
    Business Insurance
    FAQs
    Final Expense Insurance
    Financial
    Health Insurance
    Insurance
    Life Insurance
    Local
    Safety

    RSS Feed

Navigation

Homepage
Insurance Quotes
Policy Service
Insurance Products
​Schedule An Appointment
Contact Us
Agent Login

Connect With Us

Share This Page

Contact Us

Ideal California Insurance Agency​
CA State Ins. Lic. # 0D03135
201 North Brand Blvd
Suite 200
Glendale, CA 91203
(818) 241-4515
Click Here to Email Us

Location

Image Banner Credit: LA Skyline by Nserrano  CC BY-SA 3.0
Website by InsuranceSplash