General Contractor Insurance California



For a song, a person can have general contractor insurance in California, but you get what you pay for. When it comes to liability, you'd better pay for enough for what you need or else you'll regret it when an accident happens and someone gets hurt. When you end up leaving court with a judgment against you, but no money to pay, everything is changed knowing that all your savings and property could be delivered to your creditor. Even your attorney bills will have to be paid somehow, and if you don't have enough money for that because you failed to cover your business with a reasonable level of insurance, you could be out of business.



Workman's comp insurance covers the unfortunate employer whose worker is injured on the job and files a claim against them. State agencies back up the employee and pursue the employer for money using tax dollars that the employer cannot possibly match. A construction accident can result in death or injury that requires hospitalization with a long stay and then recuperation at home. While recuperation sometimes means watching Oprah in the day and HBO at night, other times our favorite star is not so lucky and she has to let Stedman be her number one fan because the home recuperation means pain and suffering without the TV. Lawsuits mean court, and court means lawyer fees. When losing in court, the plaintiff's attorney fees are frequently ordered by the court to be paid, as well. Punitive damages can exceed claims by many fold.

Just as a construction accident can be unpredictable, so too can an accident involving a commercial auto, whether a car shuttling a foreman between the office and the construction site, or a truck carrying a load of conduit on the highway when a tornado sweeps it across lanes of traffics and into an incoming vehicle where someone is killed. Death is not a pretty topic, but it is a fact of life and in such cases grieving family members become angry when the lose is so heavy a burden. They reach out and lash at anyone they can blame, whether it is anyone's fault or not. They hire lawyers who chase accidents, and pretty soon documents are subpoenaed, as they are contacted by legal counsel on the side of the bereaved, as family members level canons of blame.