COMMERCIAL GENERAL LIABILITY: Standard liability coverage needed by business owners to protect them financially against liability claims and lawsuits. This is a comprehensive coverage providing protection for bodily injury (Bl) and property damage (PD) arising out of business operations including premises, operations, products, completed operations, and advertising and personal injury.
CONTRACTORS E & O LIABILITY COVERAGE: Optional liability endorsement available for contractors who need to protect themselves from claims brought against them by the customers they work for. If work is performed that causes damage from negligence, this coverage may be needed. If a faulty product is installed or a product is installed incorrectly, significant damages could result. A dispute or complaint can be very costly to a small business owner having this coverage in place could prevent financial hardship.
SUBCONTRACTOR CAUSED PROPERTY DAMAGE: Optional liability endorsement that provides coverage for claims when a contractor is legally obligated to pay for property damage caused by a subcontractor.
VOLUNTARY DAMAGE TO PROPERTY OF OTHERS: Optional liability endorsement that provides coverage for property damage caused by the contractor to a customer’s home or other property. If a contractor is doing work at someone’s home and damages their property, this coverage would pay for expenses needed to make the repair.
EMPLOYMENT PRACTICES LIABILITY INSURANCE: Optional liability endorsement that protects business owners against lawsuits or claims brought against them by their employees. With legislation potentially favoring employees, a business owner needs protection because claims can be very costly. Even if the business owner is innocent, legal fees and defense costs could add up, affecting the business significantly. Potential employment practices claims include harassment, retaliation, negligence, libel, slander, discrimination, misrepresentation, mental anguish, failure to promote, wrongful termination, wrongful discipline, emotional distress and defamation.
Hired and Non-Owned Auto Liability Optional liability endorsement that covers bodily injury and property damage caused by a vehicle that is hired by the business owner, or by an employee of the business using their own
HIRED AND NON-OWNED AUTO LIABILITY: Optional liability endorsement that covers bodily injury and property damage caused by a vehicle that is hired by the business owner, or by an employee of the business using their own vehicle. Contractors are often driving to and from jobsites, running errands or making trips to the lumber shop or hardware store, and in many cases they are driving vehicles that may not have the proper coverage.
CERTIFIED LEAD RENOVATOR COVERAGE: Optional liability endorsement that is needed for contractors that are doing work in homes built prior to 1978. There are laws that state contractors must be certified in lead renovating before they can do the work. Since there is an exposure to lead and damages resulting from disrupting lead while performing work, this endorsement provides the liability protection contractors need.