Service trade contractors and their subcontractors work at different locations daily–whether cleaning an office interior or the building windows or removing debris on a construction site.
The multiple premises involved expose your clients to more risks because of the customer property they are around every day.
For example, a janitor may neglect to put a “wet floor” sign in the lobby when cleaning an office building. A person walks by, slips and falls, and is injured. While cleaning classrooms at a school, a contractor accidentally damages the floor in one of those rooms. Or a contractor involved in debris removal during their work may damage a neighbor’s property.
The contractor’s business could be named in a lawsuit in these and other instances. This is where General Liability insurance steps in to provide financial protection to help pay for third-party bodily injury and property damage claims.