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Understanding General Liability Insurance Coverage For Contractors And Construction Businesses

9/3/2020

9 Comments

 
Picture
​Insurance of general liability covers customer injuries, property damage, and related lawsuits. Businesses involving commercial leases and contracts are usually required to have coverage. Employees such as general contractors and carpenters as well as construction businesses and contractors face high risks. In cases of injury or damage at your business site, general liability insurance can pay for the costs of medical bills and repairs. General liability insurance coverage involves: 
  1. Customer injury
    In case of a customer getting injured, while you’re attending to electrical or carpentry work, you could be sued for the injury. This entails paying for the customer’s medical and legal expenses, but with general liability insurance, you can be covered for attorney fees, settlements, court-ordered judgments, medical expenses, and funeral bills due to fatal incidents. Employee injuries are not covered by this policy, a separate workers’ compensation insurance must be purchased for that.

  2. Customer property damage
    You are safeguarded by general liability insurance when it comes to damaged client property which covers for the property’s cost of repair or replacement. This also covers lawsuit costs in case a client takes action against you for the damaged property.

  3. Libel and slander
    At times, unintentional replication of another business’ slogan or campaign may happen during advertising or promotion. In cases of accidental advertising injuries, such as copyright infringement, defamation, both libel, and slander, it is covered by general liability insurance.

  4. Products-completed operations
    Products-completed operations coverage guards your business when your completed work caused damage to property or injury to a person caused by faulty workmanship. This coverage would protect the business owner from possible lawsuits in the future, should the customer file a complaint.

Conclusion
Managing one’s business can be challenging at first as it entails an effort to start up a business more so to maintain its reputation and keep it going. By understanding the components of general liability insurance coverage for contractors and construction businesses, you could handle your business safer and better. Ensure that your insurance policy addresses all of your business’ potential risks.

At Desmond Insurance, 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 (859) 491-5100 or Click Here to request a free quote.
9 Comments
Adam Golightly link
8/11/2021 09:49:08 am

I can see how a business could really benefit from getting the right kind of insurance to prevent any liability problems. Making sure that they can get some coverage from a professional could allow them to have better protection. I liked what you said about how they can provide protection for injuries, and damages done to customers, and their property.

Reply
Hailey Miller link
1/14/2022 07:59:01 pm

It is great to know that general liability insurance can pay for the costs of medical bills and repairs for businesses. I would imagine that any business owner would want to avoid incidents that can make them spend a huge amount of money. I think they should look for the best insurance plans to help reduce any financial losses to their business when an unfortunate event occurs.

Reply
Milwaukee Surveyors Group link
2/27/2022 09:28:08 pm

Agreed, understanding the components of general liability insurance coverage for contractors and construction businesses can help you run your business more safely and effectively. Check that your insurance policy covers all of your company's potential risks.

Reply
land surveyor Mesa link
3/22/2022 02:02:20 am

Making sure they can get some coverage from a professional may provide them with better protection. I liked what you said about how they can provide protection for customer injuries and property damage.

Reply
Charlottelandsurveys.com link
5/19/2022 09:26:26 am

Having some coverage from a professional may provide them with better protection. I liked what you said about how they can protect customers from injuries and property damage.

Reply
Braden Bills link
6/27/2022 07:33:20 am

My friend wants to make sure that he gets the right insurance for his business. It makes sense that getting the right liability insurance. That seems like a good way to ensure that every thing is put together properly.

Reply
Columbus concrete contractors link
9/6/2022 08:12:23 pm

Here has some effective and valuable information. Thanks for the information provided in this blog. This is the third time I visited in this blog. keep posting such stuff. Thanks a lot for the information.

Reply
Jessie Holloway link
9/21/2022 01:42:06 pm

Thanks so much for talking about what liability insurance covers and why it's so important. My cousin works in a warehouse and he's been looking into liability insurance for his employees. He wants to know as much about it as possible so he knows what plans to consider so we've been looking into what it is and what is generally covers.

Reply
Brian Rosado link
12/28/2022 01:42:49 pm

Employees such as general contractors and carpenters as well as construction businesses and contractors face high risks. In cases of injury or damage at your business site, Thank you for making this such an awesome post!

Reply



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