The beauty of having general contractor(s) insurance is that you will be able to transfer any financial liability you’re facing from claims to an insurance company. You could be facing personal injury or property damage claims which tend to be substantial, yet you wouldn’t have to worry about paying them out of pocket. All that will be shouldered by contractor insurance companies that issue such policies. With the proper coverage, you should be able to protect your contracting business.
Whenever claims are made against you, you will have to go through legal procedures to deal with them. Such procedures mean there will be attorney’s fees, court expenses, and other legal costs. Legal costs can get high, but when you have construction insurance, you can use it to cover any and all legal expenses.
Holding a construction company insurance policy also makes a contractor more preferable in the eyes of clients. Even though there are still clients who hire contractors who don’t have insurance, many of them already include having insurance as one of the requirements before they even consider hiring a contractor for any job. With such vigilant clients, contractors without commercial or residential construction insurance will have a hard time finding jobs.
It’s also best to keep in mind that insurance for construction companies covers not only personal injury or property damage sustained while work is ongoing but also liabilities that may arise after the job is done. You see, your personnel may have gone on to work on the next job, but your liability for the work your company has done continues.
If the client suffers any kind of injury or property damage for a job that you did some time ago, he or she can still pursue claims against you. Fortunately, a solid commercial or home builders insurance policy will keep protecting you long after you have moved to another project.
If you don’t have general contractor insurance yet, talk to us at Affordable Contractors Insurance, and we’ll help you find the perfect policy for your needs.
We understand your complex business insurance needs because we specialize in providing construction contractors insurance.
Because we specialize in contractors insurance, we are able to provide precise solutions to your needs and affordable insurance coverage you can count on.
At ACI, we always make sure that we live up to our name by offering some of the cheapest contractors insurance available. In fact, we even make things easier for you because you can get such a policy from us with only a 20% down payment.
Your next policy will be customized to meet your specific business needs and provide you with peace of mind at a price you’re happy to pay.
We take pride in customizing your insurance policy to meet your precise requirements so you can rest assured that your business is covered in the event of an accident or alleged injury or property damages.
The importance of general liability insurance for contractors could never be stated enough. If you have reservations about the costs that getting policies from construction insurance companies entail, always keep in mind the risks associated with the contracting work that you do, and you will realize how much you and your business need the right insurance coverage.
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