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 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. Conclusion 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.
19 Comments
5/11/2018 11:46:26 am
I appreciate that you say having liability insurance can help to protect against injury because contractor work is often very physically demanding because of handling wires and heavy equipment. Also, the fact that the insurance can help with legal feels would give me peace of mind in case anything happened. If I was a contractor, I would make sure to get this insurance to reduce stress and increase protection against injury. 7/5/2018 06:22:32 pm
You make a great point that there's always a chance that the property you are working on could be damaged. For that reason, it must be really important to have insurance so that any unexpected costs can be covered. I imagine that contractors really need to consider seriously having this type of coverage so that everything can run smoothly with their projects. 11/12/2018 09:01:52 pm
My dad is planning to build a warehouse for grains for the coming harvest next year. It was explained here that common contractor jobs are carpenters and painters. Furthermore, it's recommended to hire professionals for quality construction services.
Nadia King
12/8/2018 02:19:10 am
Thanks for addressing the usefulness associated with the selection of a suitable construction liability insurance to provide proper protection to the employees. Safety comes first in everything and suitable initiatives should be implemented to safeguard the safety of the workers. Not only in construction but also warehouse workers should also be covered with a suitable insurance cover. Apart from this, a regular safety audit of the warehouse is really essential to identify and replace damaged pallets to prevent the racking system collapse. Readers may like to contact http://racksourceinc.com/contact.html 2/27/2019 01:55:52 pm
Amazing post! Thanks for sharing these benefits with us, I really appreciate your work and wish you luck for more amazing work in the future. 4/4/2019 03:03:20 pm
That is a good point that insurance is good for protection from injury. It would be nice to have a construction crew that had liability insurance. If I needed construction done, I would want to have a crew that had insurance. 4/4/2019 03:38:22 pm
That is nice that having liability insurance gives protection against property damage. That sounds like something that a commercial construction company would want to have. Maybe it would be good for someone to hire a commercial construction service who has liability insurance. 4/8/2019 01:22:33 pm
That is nice that liability insurance can be beneficial for protection against injury. Maybe it would be good for a company to get liability insurance just in case there are any injuries that were to happen. Commercial liability insurance is something I would want to have if I worked in construction. 4/11/2019 08:04:28 pm
You made a good point when you said that each of those jobs presents different risks which made me think that I'll need a contractors liability insurance for my team. If this will help them become protected against injury, I'll get them this type of insurance. I think the most beneficial part of this insurance is that there will be protection against property damage so I'll consider looking for insurance companies that offer it and sign us all up for a premium. 4/15/2019 12:11:00 am
My brother is planning to have a building built and make sure to have the right workers for the job. It was explained here that it will be best to hire contractors with liability insurance in case accidents happen. Moreover, it's recommended to hire professionals for quality construction services. 5/30/2019 10:59:58 am
It would be a good business choice to get construction liability insurance. This way they could be protected from injury. This is something I would want to have if I were a construction manager. I liked that you explained that one thing to consider when hiring a contractor is that they have liability insurance. I would agree that ensuring that they will be protected if an injury or accident occurs on site will give you peace of mind in knowing that you won't be responsible. I will be sure to hire a contractor who will be covered, should an accident occur on the job. 7/31/2019 11:28:34 am
I like that you mentioned that there are several jobs a construction contractor can help you with and they have insurance to help with the risks involved. I've really been wanting to build a custom home as I feel like it would be the best housing option for me. Maybe I'll have to look for some good construction contractors in the area. I didn't know that a gardener/landscaper could also qualify for contractors' insurance. It does make sense because each of those jobs you listed presents different risks. My wife is thinking about starting a gardening company and now we both know that we have to get well informed about insurance to try and avoid any future inconveniences with her employees. I will make sure that we both get well assisted with an insurance group. Thank you! 2/12/2020 06:32:45 am
I appreciate that you say having liability insurance can help to protect against injury because contractor work is often very physically demanding because of handling wires and heavy equipment. Also, the fact that the insurance can help with legal feels would give me peace of mind in case anything happened. If I was a contractor, I would make sure to get this insurance to reduce stress and increase protection against injury. 4/8/2020 01:32:10 pm
I love what you said about finding insurance that covers legal fees, I am going to share with my colleagues. 8/12/2020 02:23:52 am
I agree with you that companies must obtain liability insurance because this may help cover their expenses regarding legal matters. You're also correct that this may protect the contractors form injury. Well, If I were to run my own construction business someday, I'll make sure to gain this type of insurance since it may reduce the possibility of paying extra expenses just in case an accident occurs. Leave a Reply. |
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