Sadler Contractor Insurance Program
Contractor General Liability Insurance And Workers´ Compensation Insurance Savings Up To 38%!
General Liability Insurance For Contractors, Home Builders, And Remodelers
General Liability covers certain lawsuits against the contractor alleging that the contractor´s negligence has resulted in "bodily injury", "property damage" and "personal / advertising injury" to someone else. Such potentially covered lawsuits can arise out of injuries while the construction is ongoing or many years after the job is finished.Common examples of potentially covered lawsuits are as follows:
You need to be aware that the General Liability policy has many exclusions in the "fine print" which may result in no coverage for many types of lawsuits.
Contractors´ General Liability has been increasingly difficult to obtain in recent years due to the construction defect litigation crisis. The insurance industry has begun to restrict coverage by placing many exclusions on contractors policy forms including but not limited to EIFS, Mold, Lead, Products-Completed Operations, Prior Completed Work, Damage To Work Performed By Subcontractors On Your Behalf, Subsidence, Contractual Liability Limitation, Independent Contractor Exclusion, Roofing Operations Exclusions, etc. You must understand the coverage implications of these exclusions if they are found on your General Liability policy.
You can learn more about how to save money on General Liability insurance and how to be prepared for your audit by referencing important articles under Sadler Insurance Articles And Information.
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