Every artisan contractor needs general liability insurance before they go out for a job or long-term project to protect themselves. Your goal as an insurance agent is to provide them with the best coverage and help them understand how it works. Likewise, there are many ways to go with general liability.
The Basics of What General Liability Can Do
Your clients have a tough job. Often, they are entering situations where they could put themselves at risk. Whether they are fixing an electrical grid or working in the attic, there is always a possibility for liability.
Covers Injuries
Any artisan contractor who has ever worked a job understands the dangers of the job. Ultimately, things can happen. An example is when a contractor works a job while the client is home, and a tool harms the client. For example, they could be repairing an electrical switch and drilling out a hole in the wall. If the client walks near the scene at the wrong time, and a piece of drywall falls on them, injuring them. Therefore, having general liability insurance may protect a contractor in the event of a mishap.
Covers Damage to Property
Your client could be in the attic of a house working on the structure before setting up the electrical job. Then, they might step on the wrong part of the attic and fall through the ground and onto the kitchen floor. They have not only hurt themselves, but they have damaged the property. Now, they must go to the local hardware store and buy the right ceiling material to replace the gaping hole. They also need to estimate the size of the damage. General liability may cover the costs of the damage. However, covering the damage and repairing the mistake is still a headache.
Covers Mistakes
Mistakes happen. Unfortunately, a contractor could make a mistake fixing a tile. They could misread the project’s plans or even not use the best quality materials while on the job. Therefore, contractors must have general liability insurance coverage to cover all their needs should they make a mistake.
Conclusion
Your clients need the best protection before they get out on a job. Commodore Insurance Services tailors a solid general liability insurance policy that could help the needs and budgets of your clients. Please work with us to secure the best policy for contractors before they begin a difficult assignment.
About Commodore Insurance Services
Based in California, Commodore Insurance Services, Inc. is a Managing General Agency and Program Manager with an unparalleled expertise in developing and underwriting insurance products for contractors across the West Coast. Our focus is on offering top-level insurance products to brokers to provide to their clients quickly and effortlessly.
Our dedicated staff of insurance and technology professionals put their talent and skills to work to provide a first-class customer experience with outstanding service, all in a secure environment.
Over the last 30-plus years, Commodore has been recognized as the trusted leader in small contractor business insurance. We will continue to work hard to deliver products to help our brokers build their books of business while protecting your clients.
