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General Liability Insurance

General Contractor’s Commercial General Liability

Whether you subcontract 100% of your work or not, you’re open to exposures out of your control on your work sites!

Note following examples of your potential exposures:

Bodily Injury

A General Contractor hired a masonry contractor to build a retaining wall around the front of a newly constructed dwelling. While building the wall, a pedestrian stepped on a stone that was to be used on the wall and broke his ankle. He incurred $7,500 of medical expense. The masonry contractor’s policy paid $7,500 for negligence and the General Contractor’s policy paid $5,000 for failing to provide a safe workplace.

Property Damage

A General Contractor hired a roofing contractor to re-roof an office building. When the roofer had the roof removed, a thunderstorm occurred that caused $15,000 damage to the tenant’s property. The subcontracted roofer had general liability coverage that expired two days earlier and it wasn’t renewed. The General Contractor’s policy was forced to respond in the amount of $15,000.


Artisan Contractor Insurance

Why is this insurance important?

Note following examples of your potential exposures:

Bodily Injury

A painting contractor was working on the 3rd floor of a building and placed a can of paint on the sill of an open window. He accidentally hit the can which fell from the window and hit a pedestrian. The pedestrian incurred $5,000 in medical bills and missed 5 days of work causing $750 in lost wages.

Property Damage

A carpentry contractor was installing a window on the second floor of an office building. The window slipped out of the opening and fell on a car below. It caused $2,400 of damage to the car. Another instance could be that you are working on a building and a tenant at that site trips on your construction equipment.

 

Liquor Liability

A business that sells, serves or furnishes alcoholic beverages, may be held liable for the actions of intoxicated persons served!