If you are in the market for a more affordable contractors liability insurance policy then you have come to the right place. The expert insurance agents at Barbee Jackson Insurance are in the business of helping businesses like yours find affordable options when it comes to general liability insurance. Whether you’re a seasoned veteran or a new upstart, Barbee Jackson will help you find the right policy the first time.
What Coverage Is Available With Contractors Liability Insurance?
- Products and Completed Operations Liability – Most contractors are involved in building and repairing buildings or property. This means that there is a reasonable expectation from the customer that the buildings and property you have worked on will not fail. However, accidents happen. Sometimes things are missed. Sometimes design fails. When this happens you will need products and completed operations liability. This coverage will pay out in the event that someone or their property is damaged as a result of bad work on the part of your company.
- Pollution Liability – This is an extremely important coverage. This coverage should be considered if you are involved in pest control, gardening, landscaping, truckers that carry autos or other hazardous materials and etc. Any time you are involved in the transportation, administration, or storing of hazardous materials you are at risk of spilling those materials. Many business owners do not realize that any time a hazardous material is spilled it cannot simply be cleaned up by the lowest bidder. Someone that has been approved by the department of environmental safety must be hired to clean up the area. This is usually a very costly event. Without proper pollution liability coverage the business owner could be stuck with this bill.
- Liability Coverage for Personal and Advertising Injury – As a contractor most of you spend a large portion of your yearly budget on advertising. This is necessary in today’s competitive market. Sometimes though in the attempt to acquire new clients an advertisement can go too far. This is usually in the form of promising something to the customer that the company cannot deliver or claiming that your service includes aspects that it doesn’t necessarily include. Most of the time this is harmless and can be fixed by cancelling an ad or repainting a billboard. However, there are some cases where these mistakes lead to damage to someone elses pocket book. It is possible that your advertisement took business away from one of your competitors. If your competitor can prove that you were participating in false advertising they may sue you for their loss of revenue. This could have a huge impact on a companies bottom line. Having adequate insurance is the best way to protect your business when faced with these challenges.
- Property Damage Liability – This type of insurance protects you in the event that the property of another is damaged while it is in your care custody or control. This can be extremely useful for those businesses that rent space from a landlord. Any time a business rents commercial space there exists the possibility of damaging that space. One kind of property damage liability will actually pay to repair or replace a building that is damaged as a result of a restaurant fire or water damage from the tenant. This type of coverage is also extremely important for those that transport, store, or work on the property of others. Just as you would not ship an expensive package without purchasing insurance you should never be in possession of the valuable goods of another without owning property damage liability insurance.
Why Barbee Jackson Insurance for your Contractor’s Liability Insurance?
Expert Agents that understand the needs of small business owners
Fast, Accurate Quotes from the leading insurance providers
More Options by comparison, working with multiple insurance providers
Certificates of Insurance done fast and accurate to get you on the on the job sooner.
Customized Policies that meet specific industry needs and protect your assets
Barbee Jackson Insurance “Guarantee”
We offer a 100% FREE insurance evaluation. No risk or obligation! Our experienced staff is happy to review your current coverage and advise you on money savings ideas and coverage gaps that you may be missing.
Getting a FREE Quote is Easy
Each contractor’s insurance policy varies greatly according to the type of industry you are in. It is important to work with an agent that knows your needs to match your business to the right insurance carrier.Fortunately, a Barbee Jackson Insurance agent can save you time and money by comparing options, limits, and deductibles. Do not make the mistake of thinking you have the best coverage available. Allow Barbee Jackson Insurance a chance to show you just how affordable the comprehensive coverage that you deserve can actually be. Barbee Jackson Insurance gives you unbiased advice with the coverage options you need.