CSIS Insurance Services, Inc. Blog
Working as a contractor involves many risks. It is a physically demanding job. Everyday you work with potentially dangerous equipment. There are certain factors and variables that you can not completely control, and that is all part of the job. Because of this, it is always a good idea to get extra protection by getting a construction liability insurance policy.
What are the most common contractor jobs?
The following are some of the most common contractor jobs.
What are the benefits for getting contractor liability insurance?
Each of the jobs above present different risks. Not just to you, but also to your client's property which you are working on. Accidents do happen, no matter how careful we can be. The following are the top ways contractor insurance can help you.
Protection against injury
The most common thought for getting contractor liability insurance is for protection against injury. As mentioned earlier, contractor work is very physically demanding and dangerous. Either you are high up in scaffolding, handling electrical wires, or using heavy equipment, potential for injury is always present.
Protection against property damage
There is always a chance for the property you are working on to be damaged. You accidentally hit a pipe which causes flooding. Failure of certain products you installed. You can even accidentally knock over an expensive artwork on display. Contractor insurance can help you pay for the damage that can happen.
Asset and employee protection
It will always be reassuring knowing that your employees and the assets they are using are covered for anything that can happen.
Covering legal fees
In cases that the actions do lead to a court case, your insurance can help with legal fees. Court cases can last some time and can also take your time away from your work. You will at least have some help in the form of coverage for the different legal fees. This includes attorney fees, witness fees, and other court expenses.
Covering costs and damages
In cases that you have been found responsible by a court judgement, you can also use your contractor insurance to help pay for the costs and damages demanded of you.
You will never know what can happen in construction. It will always be risky and dangerous, but there is something you can do: have an extra layer of protection with contractor insurance. At CSIS Insurance Services, Inc, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. To learn more about how we can help you, please contact our agency at (888) 501-2747 or Click Here to request a free quote.
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