General Contractor Liability Insurance

General Contractor Liability Insurance is a must have for any Masonry or General Contractor, you want protection against the many risks you daily face.

A contractor insurance company can supply you with the coverage you need with a variety of insurance policies, including General Contractor Liability Insurance.

Take this for instance here and see if you think insurance is a wise decision;

It's 6:00 a.m. on Monday. As you drive up to the job site, the general contractor's superintendent meets you at the gate. You look toward the site and, before even exiting the car, you see a major problem. Your 30-foot tall concrete block walls have blown down over the weekend. Thousands of dollars of scaffolding is damaged, a forklift that was parked near the wall is totaled, pallets of material are obliterated and unusable. You glance in your rear view mirror and see an Occupational Safety and Health Administration (OSHA) compliance officer pull up behind you. Happy Monday!

To find the best rates for your insurance needs, get quotes for from multiple providers, allowing you to easily compare rates and coverages.

Contractors Insurance Coverages

There are several types of contractor insurance policies that you can, and should, get to ensure your business is properly covered, including:

  • General Contractor Liability Insurance - A contractors comprehensive general liability insurance policy is a policy that covers general liability issues that may arise during the course of having a contracting business. A contractor general liability insurance policy is a state requirement in most locations.
  • Surety Bonds - As a contractor, you are often times required to have a surety bond to ensure you perform per the contractual requirements. If you fail to perform, then the surety bond company will make a payout to your client, covering their financial losses up to the bond limit. 
  • Commercial Auto Insurance - If you have work vehicles you use in your contracting business, you need a commercial automobile policy. A personal automobile insurance policy will not cover your commercial vehicles, so a business automobile insurance policy is required.
  • Workers Compensation - If you have employees, then most states will require you to carry workers comp insurance. This pays for employees that are injured on the job.

The above examples of contractors insurance are just some of the several types of coverages available. The bottom line is to make sure you have the right coverages for your company so you don't leave any holes in your policy thus leaving you uncovered in any situation.

Contractor Insurance Quotes

Go to as many insurance companies as you feasibly can and get a fair rate, let them know they are bidding for your business just like you have to do when you are trying to get a job. If you approach it this way, in my experience they are a lot more competitive.

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    Walls Blowing Over
    I have never personally had a wall blow over, but a good friend of mine had one blow down, and it was not a pretty site. Much damage occurs and a possibility of people being injured. Then to top it all off OSHA usually shows up to fine you.

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