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Insurance Guide 2021: General Liability Coverage For Contractors

10/8/2021

1 Comment

 
Picture
​Contractor general liability insurance covers the medical bills due to work-related damage. The amount owed is from the damages caused by injury, property damage, or personal injury.

The contracts are recommended to get this coverage as this protects them. Aside from this, insurance is also a requirement for them to get accepted for work.
Coverage of Contractor General Liability Insurance
General liability insurance is protecting contractors from financial payments. That arises from business operations. But, damages such as faulty quality or insured's work are not covered by this. The following are the coverages applicable to the insurance
  • Injury
    These are claims due to injury, sickness, or death of a person.
  • Property Damage
    These are the damages or physical injury on the property itself and the resulting loss of its use.
  • Personal and Advertising Violation
    These are charges from false accusations, copyright infringement, malicious prosecution, and slander. Or any violations of human privacy. 
  • Product and Completed Operations
    This coverage only covers the work completed during the policy period.
  • Medical Payments
    The policy covers the medical expenses to be paid caused by injury during the policy period.

Relation of Claims With Insurance
Based on covered claims, there are two types of general liability insurance. These are occurrences and claims-made policies. Occurrence policies protect the claims that occurred during the policy period. No matter when it is filed. 

On the other hand, claim-made policies only cover the claims if they happened when the policy is active. These policies are not accepted as a form of general liability insurance coverage. Now, contractors have to carry the occurrence policy. They must further focus on claim processes through this.

Conclusion
Accidents can happen anytime, so it is better to be prepared for such unexpected events. It will help you when you need to pay for the damages or medical expenses. This is for your own protection so you can have a safety net when a crisis comes.

At Desmond Insurance, we do our best to ensure 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 (859) 491-5100 or Click Here to request a free quote.
1 Comment
Rawalpindi Studio link
2/1/2023 07:15:12 am

General liability insurance is the most essential insurance for your business.

Also referred to as ‘commercial general liability’ (CGL) insurance or ‘business liability insurance,’ general liability insurance protects a business against the financial consequences of third-party bodily injury, property damage, and personal and advertising injury. It’s the protection you need to stay focused on building your business. The even better news? it’s easy and affordable to get.

What does general liability insurance cover?


General liability insurance can pay to investigate and defend claims, along with paying for damages, if you're held responsible for things like:

Bodily injury


Property damage


Personal and advertising injury


Bodily injury

Your workplace probably has slip-and-fall hazards.

Should a customer injure themselves while paying you a visit, you could be liable for their medical expenses and other damages.

Property damage

Maybe you visit your clients’ homes to perform your services.

Should you accidentally damage their property while you’re on site, you could be responsible for repairs or replacements.


Personal and advertising injury

Part of your job is advertising your company to grow the business. Should a competitor claim that your ad damaged their reputation, you could be liable for defamation.

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