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General Liability insurance (often called “slip and fall” insurance) can protect your business against claims where you accidentally cause third party bodily injury or property damage. Usually, the third party is a client or a homeowner, but other people like neighbors or even random people walking down the street would be considered third parties as well.
Contractor’s Errors & Omissions coverage is intended to protect against faulty work or accidental damage to your product. This coverage is important if you work on a property that belongs to a third party but is in your care during the job, or if you construct products for your clients and want coverage in case mistakes are later discovered.
The limits on the policy decide how much money you have available in case of a claim – you can think about them like a budget. The most important limits to consider when determining your package are the per occurrence limit, which is your available budget per claim, and the aggregate limit, which is your available budget for the policy term.
There are many different types of insurance that a business could need or want for their operations. Accidents that would be covered by these policies are not included in General Liability coverage:
It’s also important to be operating within the scope of your policy’s coverage. Typically, our policies are designed to cover the normal work associated with a type of business, but we strongly recommend reviewing the exclusions outlined in your application.
Unfortunately, General Liability policies do not offer coverage for personal or business property. For protection for those items in case of damage or theft, we suggest checking in with a local agent about the availability for an Inland Marine policy, a Contractor’s Tools and Equipment policy, or another type of property policy.
Good question! This actually depends on your business structure. We offer policies for individuals, LLCs, and more! If you’re not sure which one you are, we recommend checking with the department where you registered your business or filed for your licence. If you’re a registered LLC or corporation, our policies can offer coverage for your reported W2 employees, and in certain situations can extend as excess or umbrella coverage over a subcontractor’s (a 1099 employee) own policy. More information about our subcontractor requirements can be found in the “About Your Business” portion of the application, or by contacting our support team.
There are a few reasons you could still need General Liability coverage as a general contractor:
Yes! We do require that your subcontractors have the legally required licenses, their own insurance with limits that are equal to or greater than your own, and that they have you named as an additional insured on their policy. You’ll also need to keep this documentation on file for an adjuster to review in case of a claim.
Of course! In this case, we recommend filling out an application for our General Contractor policy. Please review the subcontractor requirements carefully, so that in case of a claim, you’ll have all of the necessary paperwork.
Absolutely! We know this is a common need for contractors, so we’ve given you the power to create certificates of insurance and add additional insureds right from your customer account, 24/7, with Live Certificates. You can read more about our Live Certificates and how they work here. If your contractor needs special language on the certificate or other forms (called endorsements), please send a sample certificate to email@example.com and an agent will be happy to review those requirements with you.
In general, our trade specific policies only offer coverage for the operations listed in the application, and the normal job components associated with them. If you offer a variety of services, especially if you have a specialty, we recommend filling out our General Contractor application.
We have a couple of policies that could be right for a jack or jill of all trades! Our Handyperson policy might be the best fit if you offer minor repair or maintenance services. This policy is limited to small jobs and is not a fit for jobs that might require a license, permit, or inspection at any point. If your operations are a little bit larger in scale, or if you have a specialty, we recommend taking a look at our General Contractor application, where you will have the opportunity to add coverage from a list of coverable activities.
Note: all of our policies require that you have the legally required licenses for the work you’re doing in your state, so be sure to check in to make sure you are compliant.
There are a couple of options here:
We’re sorry to see you go! To cancel your policy, start by clicking the “Log In” button in the top right corner of your screen. Then, follow the prompts to access your online customer account. Once you’re logged in, click the icon in the top right hand of the screen and click “My Account.” Select the “Billing” section and lastly, click “Cancel plan.” Once you complete the request, we process it effective immediately. You’ll receive confirmation and a refund for any unused premium within a few business days.
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